Listing Report:Supplement No. 218 dated Apr 19, 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 309132
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $259.99
 
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: Jun-1999 Debt/Income ratio: 15%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 16Length of status:8y 11m
Credit score: 640-659 (Apr-2010) Total credit lines: 25 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $19,753Stated 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: paracaptusa 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: 0 / 1 On-time: 36 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,999.00< mo. late: 0 ( 0% )  
640-659 (Jun-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Business credit payoff
Looking for private funding to help with business credit payoff

Thank you for you help,

Atlantic Coast Inc.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 415424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $182.78
 
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: Sep-1996 Debt/Income ratio: 12%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:3y 6m
Credit score: 700-719 (Apr-2010) Total credit lines: 16 Occupation: Other
Now delinquent: 0 Revolving credit balance: $13,159Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Southswim 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
660-679 (May-2008)
 
Principal balance: $852.99 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Consolidation for Lower Interest
Purpose of loan: This loan will be used to pay off a credit card that really needs a lower interest rate.

My financial situation: I am a good candidate for this loan because I recently graduated with my masters degree in hospitality and I am working at a hotel and climbing up the corporate ladder. I have had a slow start to my carrer but I am now on the right track. Paying down credit cards and looking for a lower interest rate.

Monthly net income: $ 2800
Housing: $ 750
Car Insurance: $?95??
Credit cards and other loans: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 415658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1987 Debt/Income ratio: 10%
Basic (1-10): 9 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 11Length of status:12y 4m
Credit score: 740-759 (Apr-2010) Total credit lines: 49 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $15,209Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: csaccessories 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: 7 ( 100% ) 740-759 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
780-799 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 7  
Description
Reduce High interest rate CC
Purpose of loan:
This loan will be used to?

Reduce a high interest rate credit card.? I have one card that spiked the interest rate on me when the credit crisis hit and I need to pay down the balance to get out from under the high interest costs.

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

I make all payments on time every time.? The money for the payments is already in place so this loan creates no additional burden than already exists.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 421368
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $191.86
 
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: Dec-1995 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:2y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 5 Occupation: Other
Now delinquent: 0 Revolving credit balance: $7,660Stated 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: liberty-system Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off credit card debt I accumulated while finishing college.

My financial situation:
I am a good candidate for this loan because I have a steady income, have been employed with the same company for multiple years, have great credit and credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451616
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $95.93
 
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-2002 Debt/Income ratio: 10%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:1y 8m
Credit score: 700-719 (Mar-2010) Total credit lines: 4 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $10,020Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: worth-wildcat 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
Hope to start marriage out of debt
Purpose of loan:
I am a young teacher in a private high school, fresh out of a Master's program in 2008.? Our enrollment was down significantly due to the economy, so our salaries were hit.? As a result, I went into some credit card debt paying for the basics (groceries, prescription medicine, etc).? Now I am getting married in July and moving across the country to begin a new life as a graduate student- eventually a university professor- and I want to put that debt behind me.? My bank raised my interest rate to astonishing new heights, so paying off the debt from these last two years of underemployment would be difficult without wonderful opportunities like Prosper!

My financial situation:
I am a good candidate for this loan because I am moving somewhere that has a much lower cost of living and a much shorter commute.? I will have a regular income.? I have been paying around $300 a month on this credit card, and could pay the same monthly amount on a lower-interest loan and pay it off in much less time.

Monthly net income: $
Now: $2300, starting summer 2010 $1500

Monthly expenses will change in August, 2010 when I move cross-country:
??Housing: now ~$980, starting summer 2010 ~$700
??Insurance: $150
??Car expenses: varies now with a 30-minute car commute, but I am trying to find a place near campus so I can walk or bike and save money
??Utilities: ~$130
??Phone, cable, internet: $50
??Credit cards and other loans: credit card $300 currently, student loans $250 (will stop student loan payments while I go back to school)
??Other expenses: $120 prescription medicine
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 452404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.25% Starting borrower rate/APR: 18.25% / 20.46% Starting monthly payment: $725.56
 
Auction yield range: 17.04% - 17.25% Estimated loss impact: 18.95%  
Lender servicing fee: 1.00% Estimated return: -1.70%  
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: Apr-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:1y 2m
Credit score: 760-779 (Apr-2010) Total credit lines: 16 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $9,350Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 17%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Rangefinder 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
Startup Capital 4 Exp Internet Exec
Purpose of loan:
This loan will go towards securing hardware, development resources and data feeds.? I am planning to launch a personal finance tool with social media and gaming components.?

My financial situation:
I am a good candidate for this loan because I have over 15 years of working with successful Internet start ups that have employed various business models from media planning to peer-to-peer finance.? I carry little personal debt and have substantial savings.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453576
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $542.83
 
Auction yield range: 17.04% - 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-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:3y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,710Stated 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: briancooper 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: 27 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
660-679 (Feb-2008)
640-659 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
Business Expansion
Purpose of loan:
This loan will be used to expand my computer repair business to a storefront. I currently run my business out of my house with about $4,000 - $6,000 in revenue per month. The location I am looking at has more than 25,000 cars drive by within 24hrs.

I recenlty had a baby boy allowing my wife to stay home and help raise him, I feel that it may not be as safe for customers to come to my house to drop computers off for repair.

My business has more than doubled every year since I opened four years ago, and I expect that to continue for years to come.


My financial situation:
I am a good candidate for this loan because I have, and will have a low overhead in my business allowing me to keep costs low. I also do not have many home expenses and have been paying my student and car loans on time every month. I currently have $10,000 in my bank for quick return on investment.

Monthly net income: $ 5000

Monthly expenses: $
??Housing: $ 823
??Insurance: $ 120
??Car expenses: $ 280
??Utilities: $ 300
??Food, entertainment: $ 600
??Credit cards and other loans: $ 400
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453588
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.48% Starting borrower rate/APR: 10.48% / 10.83% Starting monthly payment: $487.40
 
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: Aug-1977 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 27 / 25Length of status:14y 11m
Credit score: 840-859 (Mar-2010) Total credit lines: 62Stated income:$75,000-$99,999
Now delinquent: 0 Revolving credit balance: $39,624 
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: proud-integrity2 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off?credit card accounts. ?

My financial situation:
I am a good candidate for this loan because? I am a 58 year old disabled retiree?who suffered?a severe on the job injury.??My current credit score?is 762. I have always paid my loans and debts timely and in full.?My annual retirement?income exceeds $76,000. I have never used a company like Prosper, but my daughter told me about her experience with Prosper and recommended I give Prosper a try instead of going to a bank.?I want to be debt free within the next 3-5 years.?I do not live above my means and most of my credit card debt resulted from a painful?divorce.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453822
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
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: 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-1998 Debt/Income ratio: 13%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:3y 1m
Credit score: 720-739 (Apr-2010) Total credit lines: 14Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $0 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 3 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: laudable-power2 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
Business Startup
Purpose of loan:
This loan will be used to fund our business entity formation and marketing program.
My financial situation:
I am a good candidate for this loan because, as a retired, disabled U. S. Navy Veteran and Postal Service Clerk, I have a stable, reliable income.? I have maintained an excellent debt payment record since discharge from bankruptcy in February 2008. That bankruptcy was filed as a last resort following severe medical disability and loss of income which ultimately led to my disability retirement from the U. S. Postal Service.? My wife and I conservatively project our first year business income at $25,000 - $50,000.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453996
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $416.31
 
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: Sep-1993 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 12Length of status:22y 5m
Credit score: 820-839 (Apr-2010) Total credit lines: 27 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $23,753Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pjzip Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off two credit cards with new higher interest rates. As I have been aggressive with $600 payments to both accounts, having the extra cash flow will free up money to obviously repay the loan, at a better rate, and allow me to make a goal of paying off the loan early.

My financial situation:
My income is stable, upper management, and salary is 90% of my income. Employment is secure and sales outlook is very good.

I am a good candidate for this loan because...
Income is stable. Credit history shows responsibility. Latest assessment of property shows $200,000 equity. I have been current with both credit cards and have never missed a payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454042
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1980 Debt/Income ratio: 60%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 17Length of status:9y 7m
Credit score: 700-719 (Apr-2010) Total credit lines: 59 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $70,791Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bold-dollar-hawk Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off cedit card debt.? I have destroyed the credit cards in question and I am not using them for anything.

I have three credit cards with a minimum due each month of at least $400.00. These minimum dues were in $150-$200.00 range prior to the credit card companies raising rates and minimum dues. Prior to that time I was successfully paying off a credit card at a time by adding more to the minimum due each month until it was paid. Now, I am still trying to pay more than the minimum due to one card but it is growing increasingly difficult. I have been doing this now for 4 months and really have not seen any change in my minimum due. If I can just get a little help with paying off one or two of these credit cards and lowering my monthly amount due then I think I can get out of this mess I have created.

I am a good candidate for this loan because I am currently employed in the legal field and have been for over 25 years. I have been with my present employer and in good standing?for 10 years and do not expect to leave or be laid off any time in the future. I believe I can pay back the money I owe if only given a break on the minimum due each month. My financial situation:

Monthly net income: $ 3108.00

Monthly expenses: $
??Housing: $ 250.00
??Insurance: $ 100.00
??Car expenses: $ 125.00
??Utilities: $?100.00
??Phone, cable, internet: $?86.00
??Food, entertainment: $ 25.00
??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 454360
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $320.24
 
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: Jun-1983 Debt/Income ratio: 16%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 11Length of status:16y 0m
Credit score: 820-839 (Apr-2010) Total credit lines: 43 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,481Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: chief96 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
Running for U.S. Congress
Purpose of loan:
This loan will be used to pay the candidate registration fee.

My financial situation:
I am a good candidate for this loan because, I expect to receive more than $10,000 in contributions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454378
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,100.00 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: $67.15
 
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: Oct-1983 Debt/Income ratio: 11%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:0y 7m
Credit score: 700-719 (Mar-2010) Total credit lines: 12 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $14,923Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 60%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: tranquil-economy 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
Pay off my high apr cards
Purpose of loan:
Pay off a high Apr Card.

My financial situation:
Is sound but I don't want to balance transfer or open another credit card to pay off my card that just raised my APR too high.

Monthly net income: $2,500

Monthly expenses: $1550
??Housing: $650
? Utilities: $100
??Food, entertainment: $400
??Clothing, household expenses $100
??Credit cards and other loans: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454384
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.04% - 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-2000 Debt/Income ratio: 27%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:0y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 18 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $7,375Stated income:$50,000-$74,999
Amount delinquent: $299 Bankcard utilization: 42%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: jrod57 Borrower's state: Texas 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: 36 ( 100% ) 660-679 (Latest)
Principal borrowed: $8,000.00< mo. late: 0 ( 0% )  
640-659 (Oct-2008)
640-659 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Consolidating Credit Cards
Purpose of loan:
I was laid off of work in December of 2008 and was not able to find work until September 2009. During this nine month period, I was forced to use credit cards to supplement my savings and meager unemployment to survive. This amounted to nearly 15,000 in credit card debt. Since becoming employed again, I have aggressively paid down these balances, but still have approximately $10,000 spread across 7 cards which I would like to consolidate into one payment with lower interest. I'd also like the interest I pay to go to individuals rather than the banks that continually raise interest rates and change terms to suit their needs.

My financial situation:
During my period of unemployment, I never missed or was late with a single payment. I have not had a delinquency on my credit report in over 4 years, except for an old utility account from 2005 which just recently popped up on my report. I am working with the utility company to resolve that account as well.
I now have sufficient income to pay all of my obligations and begin paying down the debt, but it would be convenient if I only needed to make one payment. The interest would also be much lower as some of these cards carry an interest rate of over 20%.? It is also notable that I have a previous loan from Prosper which was never delinquent and was recently paid off in March of 2010.

Monthly net income: $3,200+ Commissions which are typically over $1,000 if quotas are met.

Monthly Expenses: $2,645 total
?Housing: $1,095
??Insurance: $ 149
??Car expenses: $377 (payment)????
??Utilities: $0 (paid by spouse
??Phone, cable, internet: $150
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $338 (credit cards only which will be consolidated with this loan, if approved)
??Student Loans: $136

Any remaining funds are put into a savings account with a current balance of $1,200 for emergencies.
I suspect that my credit score is being dragged down by my excessive revolving debt in relation to my available credit limits. The only delinquency in the past 4 years is the 5 year old utility account mentioned earlier.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454396
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 14.04% - 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-2004 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: 11 / 9Length of status:0y 5m
Credit score: 640-659 (Apr-2010) Total credit lines: 14 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $6,453Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Mattchenzo Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards and car
Purpose of loan:
This loan will be used to consolidate 4 credit cards, and pay off my car.

My financial situation is medium to strong at the moment, I dont like using credit cards at all, but I had to take care of some medical bills. I am easily able to make whatever payments are necessary, I can pay the bills the way they are but I keep forgetting to pay one or the other of them, and things would be so much easier if I only had the one bill to pay each month.
I am a good candidate for this loan because I am smart with money, I start school next month to start getting my degree. I plan on being a financial advisor for Edward Jones after college. I know I am a bit old to be starting college, but I joined the Army when I was 18 instead of going straight to college, and I just got out in November.

Monthly net income: $2700+

Monthly expenses: $
??Housing: $750
??Insurance: $250
??Car expenses: $80
??Utilities: $80
??Phone, cable, internet: $65
??Food, entertainment: $225
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454408
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 21.53% Starting borrower rate/APR: 22.53% / 24.80% Starting monthly payment: $576.98
 
Auction yield range: 8.04% - 21.53% Estimated loss impact: 6.71%  
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: Feb-1993 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: 15 / 15Length of status:24y 8m
Credit score: 800-819 (Apr-2010) Total credit lines: 56 Occupation: Psychologist
Now delinquent: 0 Revolving credit balance: $149,014Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: income-trumpeter 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 back my IRA for money borrowed
Purpose of loan:This loan will be used to repay my IRA so that i will not have to pay exorbitant taxes and fees.? I withdrew money from my IRA to snag a beautiful condo at an incredibly good price.? There was no time for playing the mortgage game or i would have lost the opportunity.My financial situation:I am a good candidate for this loan because my credit scores are very good, I have two sources of income; my retirement? which is guaranteed for life and my private practice as a Psychologist which is thriving.? I am very honest, responsible and reliable as evidenced by? a thirty year marriage, living in the same home for thirty years. etc.? In addition, this money has been invested in a second home so the equity is automatic.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454420
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.55% Starting borrower rate/APR: 25.55% / 27.86% Starting monthly payment: $200.26
 
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: Dec-1998 Debt/Income ratio: 14%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:10y 4m
Credit score: 660-679 (Apr-2010) Total credit lines: 21 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $6,754Stated income:$100,000+
Amount delinquent: $366 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 17    
Screen name: publisherptw Borrower's state: Florida Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained 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% ) 660-679 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
680-699 (Dec-2007)
 
Principal balance: $767.25 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
Purchase new "used" car
Purpose of loan:
I own a 2002 Land Rover Discovery II SE7 - that I intend to sale for $6-7,000 on ebay. I own the car outright. I want to purchase another Land Rover ... or maybe a Ford Explorer - 2006-2008 age range. The $5,000 I am requesting, added to $6-7,000 for the sale of my current car will give me cash buying power?of $11-12,000 to negotiate a cash purchase.??

My financial situation:
I am a good candidate for this loan because - all my payments are paid ontime - I have a perfect 10 year record - other than my mortgage (and a disputed hospital bill - which is why I have the $366 delinquent). I did buy a $565,000 house in 2005 - with $7,000 in payments (first and second mortgage, taxes, insurance). Like many, it was my intention to refinance to a lower rate - at which point the market crashed.?The houes value?dropped to $320,000!!!! I let the house go into foreclosure?- resulting in pulling my credit score down. For the last two years I have been renting at $1,350 - a far cry from the $7,000! Needless to say all my payments have been on time - with some left over!!!!??

I have?a Prosper loan with a perfect record - and I do invest - although in small way right now. I have?9 loans I have funded - and 4 that have gone belly up!!!!

Monthly net income: $ 8,000

Monthly expenses: $
??Housing: $1,350
??Insurance: $600 (Health, car, boat)
??Car expenses: $200?(gas repairs on average)
??Boat loan: $416 (four year perfect record of payments)
? Daughters "Allowance" for college: $400
? Utilities: $100
??Phone, cable, internet: $500?(includes 3 cell phones, mine, mothers, my daughters)?
??Food, entertainment: $1,000
??Clothing, household expenses $1,000
??Prosper Loan: $86.66 (perfect 27 month history - 9 more months to pay off)
? Credit cards: $1,000?
??Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454432
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1988 Debt/Income ratio: 21%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:1y 5m
Credit score: 700-719 (Apr-2010) Total credit lines: 24 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $854 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: deal-backer2 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
Basement and bathroom renovation
Purpose of loan:
Renovate basement and bathroom including the back yard lanscape

My financial situation:
I am a good candidate for this loan because, have steady employment, pay my bills on time and have no other loans besides my mortgage.

Monthly net income: $
3319
Monthly expenses: $
??Housing: $ 825
??Insurance: $ 80
??Car expenses: $ 100
??Utilities: $ 125
??Phone, cable, internet: $ 75
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1988 Debt/Income ratio: 2%
Basic (1-10): 10 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 8Length of status:18y 4m
Credit score: 740-759 (Apr-2010) Total credit lines: 28 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $164,873Stated 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: jpblan11 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: 4 ( 100% ) 740-759 (Latest)
Principal borrowed: $8,300.00< mo. late: 0 ( 0% )  
740-759 (Oct-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 4  
Description
Re-Invest in Prosper
Purpose of loan: I have many loans (64) [please verify on ericcs.com] and I have 20 pending loans. I have had one previous loan through prosper which was paid ontime and early. My income has recently increased to $122,000 and I work for the government. My job require i travel often and as such I earn another $12,000 in travel jexpenses. I own two properties in New York and two condos in Boston, my two properties in Boston have no mortgage and earn me a combined $2,100, but prosper does not rely on rental income. I have one property in New York that has no mortgage, but I placed my elderly aunt in it and it earns no income as I do not charge her rent. I recently purchased a condo in Northern Florida in March 2010 and is now my new principal residence. I could not pass the $6,500 tax credit. As this is equivalent to a $23,214 pay raise for me in my tax bracket. I have two properties in New York with one paid off and the other I owe $122,000 plus approximately $161,000 in line of credit which should appear as revolving credit. I used the revolving credit to purchase one property on Boston and the more recent one in Florida. I earn $1,700 on the rental for this property in New York. I will repay this loan with automatic withdrawals from my personal account.
This loan will be used to? will be used to bid on prosper loans.

My financial situation: I have been gainfully employed for over 20 years with the US government.
I am a good candidate for this loan because?I am responsible and have a great deal of discipline and am retired Air National Guard in NY. My income is more than enough to pay you monthly. My monthly living expenses are low because my mortgage payments in Florida are less than the rent I was previously paying and I have no car payments
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454450
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $191.86
 
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: 21%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:11y 10m
Credit score: 700-719 (Apr-2010) Total credit lines: 19 Occupation: Tradesman - Electri...
Now delinquent: 0 Revolving credit balance: $18,310Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: williamt 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: 21 ( 100% ) 700-719 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
720-739 (Jun-2008)
 
Principal balance: $2,713.29 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
paying off a credit card
Purpose of loan:
This loan will be used to?pay off a credit?card that has raised its interest rates.

My financial situation:
I am a good candidate for this loan because I always pay on time and pay off my debts.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $334.47
 
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: Mar-2004 Debt/Income ratio: 42%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 13Length of status:2y 1m
Credit score: 680-699 (Apr-2010) Total credit lines: 23 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,088Stated 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: Goalgirl5 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
Recently promoted! Paying c.cards!
Purpose of loan:
This loan will be used to pay off credit cards that were ran up during college.

My financial situation is good now due to a recent promotion at my job!
I am a good candidate for this loan because i always pay my bills! I was raised in a house where you pay your bills even if it means spending less on groceries! I have paid for everything on my own in life, including college. Have had a job since the age of 13. Good work ethic.

Monthly net income: $3,000-3,100 (with my new salary rate)

Monthly expenses: $
??Housing: $ 250
??Insurance: $
??Car expenses: $ Gas = 150
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 325
??Clothing, household expenses $
??Credit cards and other loans: $ student loans = 375.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454474
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $75.41
 
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: Jun-1999 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 20 / 9Length of status:5y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 41 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $17,513Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 81%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: awesome-transparency 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 credit cards
Purpose of loan:
I will be using this loan to pay off some credit card accounts that have some very high interest rates.

My financial situation:
I am a good candidate for this loan because I have always paid all of my bills. I am never late with payments on anything. Good credit is important to me, and I am working to pay down all my debts, Dave Ramsey style. My husband and I have cut down all our expenses and have started focusing on putting all of our disposable income towards our debts. My husband works as a police officer, and I work as a secretary at my parent's business. We are working towards becoming debt free so we can buy a nicer house and have children in a few years. I would love to be able to get a loan from the Prosper community, at a lower interest rate than some of the crazy interest rates we are paying to Chase and other banks right now. Every penny of the money will go towards paying the accounts off, which I have already closed, so in essence no "new" debt is being taken out.

Monthly net income: $ 4,000

Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 50.00
??Car expenses: $ 0.00
??Utilities: $?235.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $?900.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454480
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.04% - 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-1993 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 10Length of status:6y 2m
Credit score: 700-719 (Apr-2010) Total credit lines: 21 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $3,119Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: intrepid-agreement2 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
bill pay loan
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because i have steady job and 760 credit score?

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 50
??Car expenses: $ 300
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454482
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.38% Starting borrower rate/APR: 28.38% / 30.73% Starting monthly payment: $403.22
 
Auction yield range: 11.04% - 27.38% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.70%  
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: Oct-1970 Debt/Income ratio: 30%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 8 / 7Length of status:6y 6m
Credit score: 720-739 (Apr-2010) Total credit lines: 44Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $21,850 
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: christmaschild 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: 35 ( 100% ) 720-739 (Latest)
Principal borrowed: $21,000.00< mo. late: 0 ( 0% )  
720-739 (Jan-2010)
700-719 (Sep-2009)
740-759 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Closing High rate credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Prosper loaned me $21,000 to acquire an industrial embroidery machine so I could establish my own custom embroidery business.??? I maintained a perfect repayment record with Prosper and paid my loan off ahead of schedule.? To acquire a supply inventory I used a credit card which has a very high interest rate.? With a loan from Prosper, I will pay this credit card and close the account.? During the past three years I have worked very hard to develop the business with no financial backing other than through Prosper and my own reserves which are now exhausted. ? The future prospects for my business are very encouraging as I have landed several commercial outlets and have launched a web site which has begun generating business.? Payments on my Prosper industrial equipment loan? were $720.00 a month so I will not have any trouble repaying a loan that is approximately a third of that amount.

Additionally, I receive $200.00 a month more than I did when I obtained my original Prosper loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454488
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $146.62
 
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: Apr-2007 Debt/Income ratio: 8%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:3y 1m
Credit score: 700-719 (Apr-2010) Total credit lines: 2 Occupation: Waiter/Waitress
Now delinquent: 0 Revolving credit balance: $174Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: neilbey 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
My car just broke down, need a loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454496
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.68% Starting borrower rate/APR: 23.68% / 26.23% Starting monthly payment: $58.60
 
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: Dec-1988 Debt/Income ratio: 30%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 9Length of status:9y 8m
Credit score: 720-739 (Apr-2010) Total credit lines: 50 Occupation: Teacher
Now delinquent: 1 Revolving credit balance: $8,163Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: the-silver-jet Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
620-639 (Oct-2008)
 
Principal balance: $587.86 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
need storm door; kitch blackspl; ga
Purpose of loan:
This loan will be used to? add a blacksplash to my kitchen.? I want to also add a garage door opener(automatic) and a storm door.

My financial situation:
I am a good candidate for this loan because? prosper was the only co. willing to take a chance on me.?My last?loan allowed me to see my mom.?I owe you a lot.? I am also doing my best to become a responsible borrower again so I will do my utmost to pay Proper and my other debts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $173.63
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.90%  
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: Dec-2007 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:0y 2m
Credit score: 660-679 (Apr-2010) Total credit lines: 6Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $1,077 
Amount delinquent: $0 Bankcard utilization: 59%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: satisfying-deal1 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
Summer Architect Class
Purpose of loan:
This loan will be used to pay for an Architecture Fundamentals of Design Summer Class and pay off some high interest credit cards.
My financial situation: I currently have a part time job at a retail clothing store but just isn't enough to pay for the summer class as well as all three credit cards at their respective rates.
I am a good candidate for this loan because I am very responsible I always pay on time and sometimes can pay more than what is expected.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454500
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-2006 Debt/Income ratio: 16%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:3y 3m
Credit score: 720-739 (Apr-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,366Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: benevolent-balance 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
wedding and honeymoon
Purpose of loan:
This loan will be used to? be debt free and also for our wedding/honeymoon. My fiance is in the military and going on his second tour to Iraq and we were planning to get married before he left?I hope you can work with us and make our dreams come true before he leaves.
My financial situation:
I am a good candidate for this loan because??my fiance has been working on the base here in corpus christi,tx as a civilian but he is also in the army reserves. We have always made payments on time and?we take advantage of the?automatic withdraw system.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454504
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $769.01
 
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-1993 Debt/Income ratio: 28%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:13y 8m
Credit score: 760-779 (Apr-2010) Total credit lines: 15 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $22,983Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: reward-igniter2 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off High Interest Credit Cards
Purpose of loan:This loan will be used to pay off high interest credit card debt that we accrued over the last 2 years. We moved house so we could be in a highly recommended school district to receive services for the oldest of our 3 daughters who has autism. Unfortunately, the bottom fell out of the market 2 weeks after we moved. After paying 2 mortgages for 6 months (selling our previous home at that point), we then entered into a battle with the school district we moved to because they were denying the services our daughter should have been given. After a year of lawyer's fees, specialist consultations & burning through our savings, our debt built up from virtually nothing to a very difficult amount.We hope to get this loan to give ourselves some peace of mind & an easily affordable monthly payment as opposed to the finance charges that keep building up. Thank you sincerely for your consideration.
My financial situation:
I have a secure elementary school teaching job & am also a professional musician bringing in a steady income. Combined income from both jobs covers our expenses & more than the minimum amount due to our credit cards. Prosper loan payments would be a fraction of the amount we currently pay monthly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454516
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2004 Debt/Income ratio: 28%
Basic (1-10): 1 Inquiries last 6m: 8Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 9 / 6Length of status:0y 5m
Credit score: 620-639 (Apr-2010) Total credit lines: 15 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $2,316Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: determined Borrower's state: California 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
560-579 (Mar-2008)
 
Principal balance: $1,429.09 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? pay off credit cards and be able to raise my credit score.
My financial situation:
I am a good candidate for this loan because? this will be my second loan with Prosper. I've never been late, never missed a payment.
I will use part of this money to pay off my existing loan with Prosper. I paid off all my credit card debt with the first loan but my husband lost his job and we moved back to California and maxed out all my cards again.
We have had some ups and downs in the past 2 years, faced unemployment, an expensive move and never missed a payment.
Then just a couple of days ago I received an invitation from Prosper to apply for a new loan, so here I am.
My credit score is 629 because all my cards are maxed out.
Monthly net income: $ 2432

Monthly expenses: $ 1300.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454522
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $72.34
 
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: 21%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:12y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 1 Revolving credit balance: $273Stated income:$25,000-$49,999
Amount delinquent: $100 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 8    
Screen name: dignified-dough9 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
Buying a boat
Purpose of loan:
?I?am trying to buy a boat?for $7000.00 and?I have $5200.00. I would really like to buy this before it is gone. I am not the only income in my household my wife is an RN and?makes more than i do.?There will be problem making payments.?I am also working to get my credit score as high as I?can.This maybe a short time loan if everyting go's right.?

My financial situation:
My job is secure I am in telecomunications that is booming.?

Monthly net income: $ 3010.00

Monthly expenses: $
??Housing: $ 1405.00
??Insurance: $ 455
??Car expenses: $347
??Utilities: $ 230
??Phone, cable, internet: $?Free
??Food, entertainment: $ 350
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 265
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454524
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
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: Dec-2000 Debt/Income ratio: 26%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 13Length of status:5y 0m
Credit score: 620-639 (Apr-2010) Total credit lines: 32 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $7,405Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: cdlund 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: 29 ( 88% ) 620-639 (Latest)
Principal borrowed: $3,001.00< mo. late: 4 ( 12% )  
560-579 (Nov-2007)
560-579 (Apr-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Reduce Interest on Existing Loans
Purpose of loan:
Had an existing loan from Prosper and have paid it off. I would like to pay a loan with Dell Financial and Best Buy.
My financial situation:
I am current on all accounts. This payment will take the place of two existing payments should offer a lower interest rate. I plan to continue to pick high interest cards and pay them off. When finished I plan on having only a credit card from my credit union with a rate of 9.99%, and student loans.


I welcome your questions.

Monthly net income: $ 2,950

Monthly expenses: $
??Housing: $ 312 (I have a partner and two roommates)
??Insurance: $ 80
??Car expenses: $ 440
??Utilities: $?80
??Phone, cable, internet: $ 120
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $?675
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454530
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $292.01
 
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: Apr-1987 Debt/Income ratio: 9%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:3y 2m
Credit score: 780-799 (Apr-2010) Total credit lines: 34 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $2,029Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 13    
Screen name: bold-friendly-credit 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
WAIT book promotion
Purpose of loan:?
This loan will be used to fund the final stage of book marketing for my forthcoming book.? It includes initial print runs, marketing and promotion needs. Also, provides for the set up of the website and positioning for the Amazon promotion strategy. I have been able to secure endorsements for the book from well known endorsers.My financial situation:?
I have carefully calculated the cost to bring this project to market.? I'm also working with a bestselling author and expert in Amazon bestseller book launches to ensure that the major considerations for taking the book to market are addressed up front to avoid as many challenges as possible.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454536
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
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: 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-1999 Debt/Income ratio: 60%
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 16 / 13Length of status:5y 9m
Credit score: 600-619 (Apr-2010) Total credit lines: 54 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $17,213Stated income:$25,000-$49,999
Amount delinquent: $145 Bankcard utilization: 102%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 12    
Screen name: rachael-rita Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
580-599 (Aug-2008)
 
Principal balance: $2,097.64 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Last semester of Grad School
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? i am a good person trying to finish school.? I have made my monthly payments on my previous loan for over and year and I have not ever defaulted.? I am a good person trying to finish school and more forward with my life.?

Monthly net income: $ 2003.00? and my husbands bring home is 2500.00

Monthly expenses: $
??Housing: $ 720.00
??Insurance: $ 100.00
??Car expenses: $ 75.00
??Utilities: $ 175.00
??Phone, cable, internet: $140.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $50.00
??Credit cards and other loans: $ 850.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $246.18
 
Auction yield range: 17.04% - 26.38% Estimated loss impact: 19.53%  
Lender servicing fee: 1.00% Estimated return: 6.85%  
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: Jul-2006 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:0y 1m
Credit score: 700-719 (Apr-2010) Total credit lines: 13 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $760Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: auction-historian 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
Big Purchase To Improve My Life
Purpose of loan:
Pay for medical expenses.

My financial situation:
I am a good candidate for this loan because I only need $2,000 more for the procedure and the remainder of the loan will go towards making payments. So there will never be a missed payment.The loan paid off within 7-8 months.

Monthly net income: $ 2100

Monthly expenses: $?600
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454548
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $294.03
 
Auction yield range: 17.04% - 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: Jun-1993 Debt/Income ratio: 19%
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 21 / 19Length of status:11y 8m
Credit score: 600-619 (Apr-2010) Total credit lines: 34 Occupation: Professional
Now delinquent: 5 Revolving credit balance: $13,016Stated income:$50,000-$74,999
Amount delinquent: $1,099 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: GRACIE1 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: 54 ( 93% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 2 ( 3% )  
540-559 (Feb-2008)
540-559 (Jan-2008)
480-499 (Sep-2006)
500-519 (Sep-2006)
 
Principal balance: $396.47 1+ mo. late: 2 ( 3% )
Total payments billed: 58  
Description
Personal LOAN
Purpose of loan:
This loan will be used to?.To help?get?myself and family members down to Texas?and to cover some bills because for almost seven years when my dad past away I've been trying to locate my Big brother who had retired from the military and found out that he was hiding his illiness from the family I was told by his wife that he?was?doing ok but she finally broke?down and stated that he's real bad, and?although she's been taking him to his radiation and chemo appointments it really doesn't look good at this point but with the funds it could help my cause.I don't care what the interest rate is I would pay every penny back I did it before and I WILL DEFINETLY DO IT AGAIN.?I miss my Big brother and I would like to gather all my family members?together for this dire need trip?to surround him?with open arms and?plenty of love and have my kids see their uncle I wish that this loan could be provided to me with god love and speed and I definetely would not let anyone down I have already paid off a loan very gracefully and would do the same for this one?I just need the little help. I?am capable of?doing this repayment also?I'm an? 20 year security specialist and veteran from the military as well?I strongly?believe in faith and is also?a loving father?I'm not motivated?to renege on a loan because I believe your credit?is your security life line. This loan would be a big help.I'm an honest man who is so dedicated and eager ?to repay back this loan from my verified account and is willing and able to prove it?once again to?everyone who?bidded on my loan request before so?please come back i'm also committed to becoming an lender in the near future to give someone like me and others the opportunity to get started with thier quest for a loan,?thank you all who will and God Bless.I can use the help of a few good bidders thanks guys and wish my family good luck.

My financial situation:
I am a good candidate for this loan because? I have the necessary funds to repay back this loan and is a very good bye nature guy?and family man Monthly net income:$7,000

Monthly expenses: $?2,830
??Housing: $ 1300
??Insurance: $ 120.00
??Car expenses: $ 0
??Utilities: $ 300.00
??Phone, cable, internet: $ 260.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 86.00 Prosper
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454552
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1996 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:0y 2m
Credit score: 700-719 (Apr-2010) Total credit lines: 50Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $11,290 
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: intrepid-dinero858 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying to finish college
Purpose of loan:
This loan will be used to pay for a life change

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 454554
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 24.21% Starting monthly payment: $45.25
 
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: Jun-2000 Debt/Income ratio: 1%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 3Length of status:4y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,147Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: newest-sincere-balance 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
pay some debt
Purpose of loan:
This loan will be used to? to? some debt

My financial situation:
I am a good candidate for this loan because? i am responsible person
Monthly net income: $ 1500

Monthly expenses: $
??Housing: $ 250
??Insurance: $ 62
??Car expenses: $ 85
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 85
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454558
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 20.50% Starting borrower rate/APR: 21.50% / 24.66% Starting monthly payment: $45.52
 
Auction yield range: 14.04% - 20.50% Estimated loss impact: 15.62%  
Lender servicing fee: 1.00% Estimated return: 4.88%  
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-1985 Debt/Income ratio: 47%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:4y 4m
Credit score: 620-639 (Apr-2010) Total credit lines: 21Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $6,477 
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: mcb10 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,125.00< mo. late: 0 ( 0% )  
580-599 (Sep-2008)
600-619 (Apr-2008)
 
Principal balance: $651.56 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
purchase mobile photo equipment
Purpose of loan:
This loan will be used to?purchase equipment for mobile photo studio?

My financial situation:
I am a good candidate for this loan because?I have 16 years in this field, I retired 2 years ago and now I GOTTA GET?OUT OF THE HOUSE. Everything is digital now and I HAVE TO BRING MYELF AND EQUIPMENT UP TODATE?

Monthly net income: $2900
Monthly expenses: $
??Housing: $ 650
??Insurance: $ 60
??Car expenses: $ 335
??Utilities: $ 150
??Phone, cable, internet: $ 60
??Food, entertainment: $ 325
??Clothing, household expenses $
??Credit cards and other loans: $ 225
??Other expenses: $ 40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454560
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 17.04% - 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-1996 Debt/Income ratio: 8%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 6Length of status:5y 5m
Credit score: 640-659 (Apr-2010) Total credit lines: 20 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $7,257Stated income:$100,000+
Amount delinquent: $82 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: integrity-bear 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
Replacing Water Heater
Purpose of loan:
This loan will be used to replace a 15 year old tank water heater at my home. We just got done completely remodeling our kitchen with money my wife and I had been saving up and we come to find out from our plumber that we need to replace the water heater because it is a risk of the bottom rusting out and dumping water into our home. Unfortunately the kitchen tapped our free monies.

My financial situation:
I have been steadily working for in IT for 15 years. I currently hold a key senior management position in a fortune 50 company. Any other info can be provided upon request. This loan is really about getting the water heater replaced on my terms instead of after it breaks. My revolving balance is close to my limit because as I have been paying down my cards I have been closing them. My debt to income ratio if right where I want it to be. I've been little by little eliminating revolving credit and trying to only borrow as needed for specific purposes.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454564
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $361.72
 
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: Jan-2003 Debt/Income ratio: 43%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 8Length of status:5y 11m
Credit score: 660-679 (Apr-2010) Total credit lines: 19 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $5,044Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: doctorgrab Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
700-719 (Feb-2010)
620-639 (Dec-2009)
620-639 (Aug-2009)
660-679 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
Start up business needs equipment
Purpose of loan:
This loan will be used to?
I would like to see if I can get a better rate, currently have a loan through lending club, original $15,000 only just under $10,000 left to pay, currently at a 13.9% rate banks will give me lower but I'd rather give people a chance to earn the interest instead.
My financial situation:
I am a good candidate for this loan because?
I'm currently employed full time for a mom and pop business. I have steady income and job security. Recently started my own business www.ageofherbs.net. which has no real overhead. I own my home, I have no car payments, and a great credit history.? I also split all living costs with my girlfriend.


Monthly net income: $? this is based off of last year does not include new business
2773.34

Monthly expenses: $
??Housing: $ 381.00-this includes taxes and insurance also my girlfriend pays the other half, total Mortgage payment $762.
??Insurance: $ 38-car
??Car expenses: $ 100
??Utilities: $ 220
??Phone, cable, internet: $ 45
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $
Total $ Out:$1184
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454566
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 0.6%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 29.39% Starting monthly payment: $209.53
 
Auction yield range: 3.04% - 28.00% Estimated loss impact: 0.66%  
Lender servicing fee: 1.00% Estimated return: 27.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 2%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:0y 8m
Credit score: 840-859 (Apr-2010) Total credit lines: 20 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sportsfreak16 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 840-859 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
840-859 (Jun-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 4  
Description
Removing PMI
Purpose of loan:
This loan will be used to pay down our mortgage in order to remove our Private Mortgage Insurance (PMI).? To take advantage of favorable interest rates last year, we opted to refinance our mortgage to secure a lower monthly mortgage payment (reduced by $700) even though it meant taking on a monthly PMI of $280.

Now that we have paid down our mortgage to a level where we are $10k away from removing the PMI, we determined that taking this loan via Prosper will be in our favor.? We will use $5k of our money and $5k from Prosper to make the $10k payment to remove the PMI.? If we?get a rate lower than 7.75% on this loan (which is very likely to occur), the total interest we pay on this loan over three years will be less than $280, which is a month worth of PMI.? Without this loan, we are scheduled to pay the PMI for another seven months, in which time our mortgage will reach 78%?LTV (the level required to automatically remove the PMI).? This schedule would?cost us a total of $1,960 ($280 x 7 months).

My financial situation:
We are?a good candidate for this loan because we have a great credit history.? Chances are pretty high?we will pay off this loan in less than 18 months as we will be paying $280 toward our Prosper loan that would have gone to the PMI (higher than the estimated $150/month needed to pay this loan).? I have borrowed via Prosper before and made my payments ahead of schedule.? I am also a lender.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $318.39
 
Auction yield range: 17.04% - 29.00% Estimated loss impact: 20.69%  
Lender servicing fee: 1.00% Estimated return: 8.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 42%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:4y 6m
Credit score: 620-639 (Apr-2010) Total credit lines: 9 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $1,510Stated 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: adonis2725 Borrower's state: Connecticut Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $3,529.95 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
refinancing prosper loan
Purpose of loan:
This loan will be used to? refinance an already existing prosper loan/pay of my car

My financial situation:
I am a good candidate for this loan because? i already have an existing prosper loan and my payment history will tell you what kind of a person i am.i am a full time student and a full time employee as well... because of the economy, alot of things didnt go as planned, but the one thing i told the borrowers when i got the loan was, i can be trusted and i think i have proved that.also, i have prosper go directly into my bank account to take the payments.take a chance on me if you want to get your investment back

Monthly net income: $ 2000.00

Monthly expenses
??Housing: $ 740.00
??Insurance: $ 78.14
??Car expenses: $ 300.00
??Utilities: $ 100.00
??Phone, cable, internet: $100.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 60.00
??Credit cards and other loans: $ 150.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454578
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $542.83
 
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: Oct-1996 Debt/Income ratio: 54%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 11 / 8Length of status:1y 9m
Credit score: 600-619 (Apr-2010) Total credit lines: 54 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $8,526Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: Bratt79 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,800.00< mo. late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $1,020.55 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Debt and WEDDING!
Purpose of loan:
This loan will be used?to payoff a small amount of debt and to pay for a wedding sept 18, 2010. ?

My financial situation:
I am a good candidate for this loan because, I and my fiance both work Full Time jobs while raising 2 kids and going to school.?We would like to have a small Lake Tahoe ceremony and family reception, but need your help.?

Monthly net income: $ for the household $3500

Monthly expenses: $
??Housing: $ 725.00
??Insurance: $ 150.00
??Car expenses: $ 250.00, 1 car payment
??Utilities: $ 85.00
??Phone, cable, internet: $?45, we live with just basic?cable and internet :)
??Food, entertainment: $ 200, we always cook at home and rarely go out for entertainment
??Clothing, household expenses $?0
??Credit cards and other loans: $ 250
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454582
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.04% - 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-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 3 / 1Length of status:3y 11m
Credit score: 740-759 (Apr-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated 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: market-guild 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
Grow Just Peachy Organics
Purpose of loan:
This loan will be used to?
grow "Just Peachy Organics" and to protect?my brand.? I will use the funding to do the following: 1. pay for patents; 2. trademark; 3. purchase UPC bar codes so the products can be sold in "brick and mortar" establishments; and 4. possibly lease a small commercial space since orders have increased.
My financial situation:
I am a good candidate for this loan because?
I have a good payment history of repaying my?loans.? I do not have deliquent payments and take my credit worthiness seriously.? However, I have been using personal funds to expand my business and need to borrow the money that I need to take it to the next level.? Initially, I operated my business less than part-time because I worked?full-time for a federal contractor.? It all changed on October 22, 2009 because I was let go.? Since devoting full-time to?"Just Peachy Organics, " my company revenues have increased in increments of $1000 per month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454588
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.99% Starting borrower rate/APR: 22.99% / 25.27% Starting monthly payment: $290.28
 
Auction yield range: 17.04% - 21.99% Estimated loss impact: 19.25%  
Lender servicing fee: 1.00% Estimated return: 2.74%  
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: Sep-1989 Debt/Income ratio: 21%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 9Length of status:4y 9m
Credit score: 680-699 (Apr-2010) Total credit lines: 53 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $5,873Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cjomom Borrower's state: Oregon Borrower's group: Not Active
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 21 ( 100% ) 680-699 (Latest)
Principal borrowed: $9,300.00< mo. late: 0 ( 0% )  
680-699 (Aug-2008)
660-679 (Apr-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
consolidate
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 had? two?Prosper Loan in the past and have never missed a payment.? I have improved my credit score over the period of my last loan.? I am a professional with a steady job and yearly increasing income.? I have little debt at this time as I have been attempting to improve my credit score and reduce my monthly expenses.? I have a degree in Criminal Justice and was recently promoted with a sizeable pay raise.? I have job security and love what I do.?

Monthly net income: $ 3560.00

Monthly expenses: $ 2800.00
??Housing: $ 300.00
??Insurance: $ 100.00
??Car expenses: $ 0
??Utilities: $ 150.00
??Phone, cable, internet: $?200.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 153.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1980 Debt/Income ratio: 41%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 11Length of status:2y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 38 Occupation: Bus Driver
Now delinquent: 0 Revolving credit balance: $14,619Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: forthright-integrity 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
Car needs new tires
Purpose of loan: New tires and upholstery repair in order to sell for best possible price.

My financial situation:
The proceeds of this loan will be used first to put a set of new tires and repair a tear in the driver?s seat upholstery of our 2006 Mazda Miata.? The car will then be sold in order to pay off an unexpectedly large tax bill due to a combination of inadequate withholding and an unexpected windfall at year end.My wife has a second job as an accountant and this employer gave her a bonus in December which more than doubled her expected earnings.While the bonus was much appreciated, it created a bit of a problem for us.As an independent contractor there was no tax withholding during the year and now payroll taxes plus regular income tax on that additional income are due.We have the cash to cover approximately two-thirds of the tax bill, the rest will have to be paid in installments and the savings from eliminating the car payment will free up the funds for the remaining tax bill plus this loan, and leave us some breathing room besides.We?ve increased our withholding this year so we won?t be faced with the same situation next April.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454600
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $191.86
 
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: Jun-1989 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 13 / 12Length of status:16y 4m
Credit score: 740-759 (Apr-2010) Total credit lines: 39 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $68,734Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: medalist3 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my high interest loan
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 454606
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1993 Debt/Income ratio: 416%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 7Length of status:3y 7m
Credit score: 660-679 (Apr-2010) Total credit lines: 40 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $34,837Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: worthy-truth0 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 for College
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 454614
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.03% Starting borrower rate/APR: 29.03% / 31.39% Starting monthly payment: $251.53
 
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: Mar-1984 Debt/Income ratio: 24%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 5Length of status:24y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 27 Occupation: Bus Driver
Now delinquent: 1 Revolving credit balance: $3,847Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 14    
Screen name: cash-rocker3 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
new floors
Purpose of loan:
This loan will be used to?
Put in laminate floors in my home
My financial situation:
I am a good candidate for this loan because?
my financial situation is good. My minimum monthly income is 2226.00 with a max. of 3200.00 depending on what job I choose to work. All other expenses listed below that I don't pay are payed by my wife.?I filed for Bankrupcy in 2005. My wife and I had a house built in 2003. We moved in Sept of 03 and she was laid off her job of 10 years in Sept. of 03 and we lost $56,000 of income. She was out of work for 6 months and the job that she got was paying $38,000. So we had to file.?Things are much better now.?hly net income: $ 2226.00

Monthly expenses: $
??Housing: $ 950.00
??Insurance: $
??Car expenses: $ 536.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 45.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454618
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-2002 Debt/Income ratio: 64%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 12Length of status:8y 5m
Credit score: 720-739 (Apr-2010) Total credit lines: 14 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $7,290Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sympathetic-silver9 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 My Credit Card
Purpose of loan:
This loan will be used to? Pay my credit card.

My financial situation:
I am a good candidate for this loan because? I want to pay my cretid card because the rate is to much, thank's so much for your help.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454620
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-2004 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:0y 2m
Credit score: 680-699 (Apr-2010) Total credit lines: 23 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $3,470Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: girl-needs-help Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay taxes owed on home
Purpose of loan:
This loan will be used to? pay the taxes i owe for last year on home

My financial situation:
I am a good candidate for this loan because? i am very respoisible at paying my debts back. I have never made a late payment?

Monthly net income: $ 1800

Monthly expenses: $
??Housing: $ 185
??Insurance: $
??Car expenses: $ 560
??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 454624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1998 Debt/Income ratio: 13%
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 11Length of status:32y 0m
Credit score: 620-639 (Apr-2010) Total credit lines: 33 Occupation: Engineer - Electric...
Now delinquent: 2 Revolving credit balance: $2,823Stated income:$50,000-$74,999
Amount delinquent: $5,904 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: kevinsdog Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,200.00< mo. late: 0 ( 0% )  
560-579 (Jun-2008)
540-559 (Apr-2008)
580-599 (Apr-2007)
 
Principal balance: $647.67 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Home Upgrades
Purpose of loan:
I am making some much need improvements on my house, windows, roof, etc.
My financial situation:
Employeed by the same company for 32+ years. I am very stable.

My monthly budget:
Mortgage/rent: $ 1600
Insurance: $ 100
Car expenses: $ 100
Utilities: $ 100
Phone, cable, internet: $ 100
Food, entertainment: $ 150
Clothing, household expenses $ 150
Credit cards and other loan payments: $ 200
Other expenses: $
---------------------------------------
Total monthly expenses: $ 2500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454630
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1986 Debt/Income ratio: 76%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Retired
Enhanced (1-5):2 Current / open credit lines: 17 / 13Length of status:2y 10m
Credit score: 660-679 (Apr-2010) Total credit lines: 44Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $10,956 
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: silver-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
Need help with a good idea
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 454638
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 33.23% Starting borrower rate/APR: 34.23% / 36.67% Starting monthly payment: $156.80
 
Auction yield range: 17.04% - 33.23% Estimated loss impact: 19.96%  
Lender servicing fee: 1.00% Estimated return: 13.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 48%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 19 / 15Length of status:2y 9m
Credit score: 660-679 (Apr-2010) Total credit lines: 46 Occupation: Nurse (RN)
Now delinquent: 1 Revolving credit balance: $8,135Stated income:$50,000-$74,999
Amount delinquent: $397 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: legendlime 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
620-639 (May-2008)
 
Principal balance: $1,124.47 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
paying medical bills/credit cards
Purpose of loan:
I would like to consolidate medical bills after my husband's stroke and surgery
My financial situation:
I am a good candidate for this loan because? We have debt, but always pay bills, have ethical standards regarding credit.
I have been an R.N. Since 1980, and currently am working again for the same employer that I did from 1987- 2003.
I have been Married for?20 yrs, and our MONTHLY NET INCOME IS :8000- 9000.00

Monthly expenses: $
??Housing: $ 1933.00
??Insurance: $?325
??Car expenses: $?900
??Utilities: $?500
??Phone, cable, internet: $ 200
??Food, entertainment: $?900
??Clothing, household expenses $ 50
??Credit cards and other loans: $?800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454642
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $196.16
 
Auction yield range: 17.04% - 23.00% Estimated loss impact: 26.32%  
Lender servicing fee: 1.00% Estimated return: -3.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 43%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 25 / 23Length of status:4y 11m
Credit score: 600-619 (Apr-2010) Total credit lines: 35 Occupation: Biologist
Now delinquent: 0 Revolving credit balance: $17,518Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 1/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: asiababy Borrower's state: Michigan Borrower's group: Achieve Greatness
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
580-599 (Feb-2008)
600-619 (Apr-2007)
540-559 (Dec-2006)
 
Principal balance: $119.55 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
high intrest consolidation
Purpose of loan:
To pay off high intrest credit cards

My financial situation:?
My husband and I both have full time jobs and have made all payments on time.? We are hard workers and take pride in paying our obligations on time! I have had another prosper loan for almost 3 years and have paid on time with no problems at all!
Hi there!? I am a college graduate and work professionally for?the FAA.?? I have never been 30 days late on a bill in the last 10 years!? I need to pay off a high interest?credit cards so I can start over.? My husband is an automatic door technician and has a very stable job as well. Together we bring in between $4200-5500 per month.? We are also both veterans of the US Air Force and home owners!?
Budget:??
Income??
Mine $1173 Veterans Pension
$1750 from JobTotal $2823??
His $2240 ? T
Total Income Monthly $5063 ? Bills Mortgage $395 2nd Home $240 Car Insurance $240 Truck $362 Car $109 Capital One $240 Student Loan $80.45 Cell Phone $130 JCpenney $25 Nordstrom $40 Target $25 Dell Computer $29 Total Bills $1915.45 ? Total Left $3147.55 Food $250 Utilities $200 Gas $150 Heating $200 Total $800 ? Grand total remaining after all bills paid $2347.55
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454648
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.04% - 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-2004 Debt/Income ratio: 31%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:2y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 17 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $6,697Stated 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: justice-jubilee Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for College
Purpose of loan:
This loan will be used to?pay for?the?two colleges that?I am currently enrolled in.? One major?university and?the other is online.? It will cover tuition and book and supplies.?

My financial situation:
I am a good candidate for this loan because?I have worked hard for the credit that I do have even if it isn't perfect.? I have never defaulted on anything.? Will also be starting a second job soon to help pay back school loans.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 1000???
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 30
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454650
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $89.19
 
Auction yield range: 14.04% - 19.00% Estimated loss impact: 14.84%  
Lender servicing fee: 1.00% Estimated return: 4.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1980 Debt/Income ratio: 20%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:0y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 14 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $7,139Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: economy-rancher0 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
fix car/pay off one credit line
Purpose of loan:
This loan will be used to?fix car/pay off one credit line?

My financial situation:
I am a good candidate for this loan because? i pay my debts-only looking for this loan because my car needs work
Monthly net income: $
1260
Monthly expenses: $1000
??Housing: $0?
??Insurance: $105
??Car expenses: $100 (gas)?
??Utilities: $135
??Phone, cable, internet: $160
??Food, entertainment: $200
??Clothing, household expenses $50
??Credit cards and other loans: $250
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454654
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $318.08
 
Auction yield range: 17.04% - 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: 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 4m
Credit score: 760-779 (Apr-2010) Total credit lines: 9 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $13,171Stated 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 for school
Purpose of loan:
This loan will be used to? help pay bills while I attend the police academy. I am going to become a police officer and will soon be attending the police academy. During this time I will not have a full time job so I need some help for a couple of months.

My financial situation:
I am a good candidate for this loan because? my salary will be +$40,000 per year.

Rent : $ 535
Utilities : $ 0
Car payments : $ 0
Gas: $ 320
Food: $ 400
Credit Card payments: $ 210

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454662
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.01% Starting borrower rate/APR: 14.01% / 16.17% Starting monthly payment: $341.82
 
Auction yield range: 6.04% - 13.01% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.79%  
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: Dec-1983 Debt/Income ratio: 22%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 9Length of status:0y 8m
Credit score: 740-759 (Apr-2010) Total credit lines: 36 Occupation: Other
Now delinquent: 0 Revolving credit balance: $69,262Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: thrifty-dedication 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 personal credit line
Paying off unsecured line of credit

This loan will be used to pay off a high interest unsecured personal loan I used when under employed. After my company was acquired many of us lost our jobs, I continued to find consulting projects but my income was significantly impacted. I have a great job again, as a UX lead at a very successful Digital agency working on Microsoft projects. I have a condo in San Jose that is rented over market average. My plan is to pay off debt in 36 months, this personal line of credit is at 18.99% APR.

I am a great candidate for this loan because I am very responsible, have a solid full time job in a field that is growing, pay my debts on time or early and would be a low risk.

Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454668
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $175.87
 
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: Oct-2003 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 9Length of status:1y 11m
Credit score: 740-759 (Apr-2010) Total credit lines: 18 Occupation: Military Officer
Now delinquent: 0 Revolving credit balance: $925Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: peace-leather 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
Guaranteed repayment - never late
I withdrew previous listing and relisted with a re-adjusted ($7,200 to $5,500)?amount.

Purpose of loan:
This is a multi-purpose loan.? I plan to invest in myself with education--I plan to learn a new language and get myself a master's degree.? I also plan to use a small portion of the loan for my vacation.? Remainder of the loan will be used to help refurnish my parent's home.? I do not pay any mortgage for my parents home and military takes care of my housing.

My financial situation:
I am active duty Air Force with a stable income.? I am able to pay off this loan monthly without cutting into my actual base salary--I get over $1,000 total a month in incentive pays.? I am also getting promoted later this year which will raise my salary just enough to cover the monthly payment of this loan.? Another reason why you should feel confident that I will never be late on my payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454672
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 15.36% Starting monthly payment: $69.33
 
Auction yield range: 3.04% - 14.00% Estimated loss impact: 0.62%  
Lender servicing fee: 1.00% Estimated return: 13.38%  
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-1968 Debt/Income ratio: 32%
Basic (1-10): 10 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 8Length of status:10y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 26 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $41,578Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: invincible-bazaar6 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
Preparing for College Age Kids
Purpose of loan:
This loan will be used to help speed up our debt reduction plan.? We have reduced our debt over the past two years by over $30,000 through careful spending and limited use of our credit cards.? We have reduced the number of open credit accounts that we have and through it all have never had a late payment.? Our kids are both in high school and the search for colleges is in high gear.? Our oldest will graduate high school in May 2011 and we want to have our out of control debt behind us.? We have not spent wisely in the past, but have learned from our mistakes and have passed those learnings on to our kids, so that?they can be smart with their money and their futures.? This loan will be used to pay off one remaining student loan and one credit card.? Once these debts are off the books we can enter phase two of our college and retirement saving strategies.?
My financial situation:
I am a good candidate for this loan because I have been employed with the same company for over 10 years.? My income has increased by 5 to 10% annually each of those 10 years and I have achieved both of my bonuses each of those 10 years.? We have never defaulted nor been late with any payments.? We are very conscientious about our spending and the paying of our debts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454674
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $82.06
 
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: Nov-1985 Debt/Income ratio: 16%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:9y 11m
Credit score: 680-699 (Mar-2010) Total credit lines: 9 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,826Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: upright-nickel7 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
Upgrade Bathroom
Purpose of loan:
This loan will be used to? Upgrade my bathroom

My financial situation:
I am a good candidate for this loan because? My credit score is 690 plus, i own my own home, and have been on my job for ten years.?? I have been at my address since 1995.? I owner financed my place?for several years, then??i went to Bank of America and financed with them.? A year ago i refinanced with Bank of America because the rate was better.? I? received cash back for home improvements, and in this market that is not easy to do.? If i am? a risk, the bank would not give me cash back.? I currently have 42,000 of equity in my place.? I did renovations to my place, but i calculated wrong and i am still a little short to upgrade my bathroom. I had a bankruptcy 8 years ago, and since then have built my credit up,?leased 3 cars , and received a home loan.? I have no reason not? to pay this loan back. I have 2 credit cards and have never been late..? I have never been late with my car payments or my mortage.?? Prosper can verify this because they ran my credit report.? I'm just looking for a loan to make my place a better home.? Chase lowered my? credit limit-formerly Washington Mutual, as they did to thousands of customers, even though i was never late.? This is why i'm close to my limit.? I had a 10,000 limit but was lowered to my current balance, this did effect my credit score.? I was approved previously with prosper, but did not like the rate,? i withdrew.? Prosper?rated me a D, i don't know why.?Its hard to convey that i'm wothy. but i have 8 years of never being late with anything.? So here i am again, i guess if i want the loan i have to pay this higher rate.
Monthly net income: $ 2743.00

Monthly expenses: $ 1842.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
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: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2005 Debt/Income ratio: 62%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 4Length of status:2y 7m
Credit score: 620-639 (Apr-2010) Total credit lines: 6 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,011Stated 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: mikemichael 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: 23 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
640-659 (Apr-2008)
 
Principal balance: $2,061.72 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
3rd attempt - please help
Purpose of loan:
This loan will be used to pay off my medical bills, credit card debt, family needs and previous prosper loan.
My financial situation: I have never missed a prosper payment.
?I only have 13 more payments on previous prosper loan... I will pay that off the 1st day my next prosper loan is funded. I have a steady job with good chance for advancement.

Monthly net income: $1,400

Monthly expenses: $
??Housing: $0 Family's rental
??Insurance: $119.00
??Car expenses: $228
??Utilities: $ 50
??Phone, cable, internet: $145
??Food, entertainment: $70
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454680
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 Prosper Rating: 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: $368.27
 
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: Feb-1996 Debt/Income ratio: 24%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 12Length of status:3y 7m
Credit score: 800-819 (Apr-2010) Total credit lines: 32 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $3,645Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: studious-leverage1 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
payoff credit cards
Purpose of loan:
This loan will be used to? consolidate credits into one monthly payment.

My financial situation:
I am a good candidate for this loan because? I pay all of my bills on time and always have. I just want to to reduce my monthly payments and consolidate all credit cards into one bill. My job pays well.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454682
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.30% Starting monthly payment: $56.55
 
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-2002 Debt/Income ratio: 40%
Basic (1-10): 3 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 13 / 13Length of status:0y 5m
Credit score: 640-659 (Mar-2010) Total credit lines: 23 Occupation: Analyst
Now delinquent: 1 Revolving credit balance: $11,935Stated income:$25,000-$49,999
Amount delinquent: $148 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: appetizing-liberty Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay credit cards and lower monthly payment

My financial situation:
I am a good candidate for this loan because i have always paid notes as agreed.?

Monthly net income: $
2500
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 80????
??Phone, cable, internet: $60
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 8.04% Starting borrower rate/APR: 9.04% / 11.13% Starting monthly payment: $636.37
 
Auction yield range: 8.04% - 8.04% Estimated loss impact: 8.66%  
Lender servicing fee: 1.00% Estimated return: -0.62%  
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-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:3y 10m
Credit score: 760-779 (Apr-2010) Total credit lines: 16 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $964Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 4%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: trade-ally4 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
Renovation and new equipment
Purpose of loan:
This loan will be used to renovate existing 1200 sf salon, most upgrades are for walls, HVAC, painting and new windows, totaling 15,000. There is also a need for new equipment, which is only $5,000 of the loan.

My financial situation:
I am a good candidate for this loan because I have positive cash flow - there is enough money in savings for the renovations, however I cannot afford to be closed for 3 weeks (which is almost a month) without this cushion. Business doubles in winter, but its not "the season" in our area so we can permit ourselves this temporary construction intermission.

We had considered applying for a microloan, but the application process would take longer than the construction. We are in a very strong financial situation, even if prosper only offered us a C rating. This is the reason we insist on low rate, because we DO have strong, positive cashflow.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454706
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $95.93
 
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: May-2002 Debt/Income ratio: 5%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:8y 7m
Credit score: 760-779 (Apr-2010) Total credit lines: 9 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,976Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ready-p2p4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off all of my outstanding debt and allow me to start saving for my future

My financial situation:
I am a good candidate for this loan because I have a steady income and?I?work at a company that is rapidly expanding to suit the needs of the wine industry.? We operate in the heart of the California?wine country and if this recession is any evidence, even in bad times people are buying and drinking wine.? I have very few financial obligtations that require me to make monthly payments. For example, I own my own car, and the only thingsI pay for on a month to?month basis is rent and utilities.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454710
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $303.08
 
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-2006 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:0y 2m
Credit score: 740-759 (Apr-2010) Total credit lines: 8 Occupation: Student - College S...
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: order-guardian 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
Continuing Education. Please read!
This loan is for a program in Washington, DC with the Institute of Philanthropy & Voluntary Services and The Fund for American Studies. The students work in competitive internships supplemented by lessons at Georgetown University. This program has made many participants obtain the highest paying jobs in their field.

I'm financially frugal, responsible, and a reliable person. I've used aid, scholarships, and loans to support two people(single disabled parent), while completing my bachelor's degree and working part-time jobs. I don't make late payments ever.
I heard of the extended deadline a week before applications was to be submitted and am required to submit tuition by May 1st. I won a scholarship that lowered tuition to my in state amount and will be applying for more. But even low in state undergrad education has me applying for aid. So ask me whatever you need to know but please know that I'll go without food before I don't pay my bills. It's just who I am.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454712
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1978 Debt/Income ratio: 7%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:26y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 40 Occupation: Analyst
Now delinquent: 11 Revolving credit balance: $3,403Stated income:$75,000-$99,999
Amount delinquent: $3,555 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 22    
Screen name: ruffid00 Borrower's state: Pennsylvania 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
Debt Consolidation
I am seeking this loan for the purpose of consolidating most of my higher-interest (read: credit card-related) debt, which I'd accumulated during my younger, and not so wiser, days, by dining out five and six nights a week, and buying most of my clothes, and taking my vacations, on credit (what was I thinking!).

I am a 51 year-old, single, male, who is in excellent health, and I have a very stable, well-paying job (I earn approx. $82 K a year), and am in my 26nd year of employment with my current employer, which is the largest diagnostic (medical) testing company in the U.S.? I work in the Information Technology field, and work in my company's corporate data center. I actually have a very good repayment history, however, unfortunately, my DTI ratio is too high, thus, my poor Prosper rating.

I fully realize that I'll have to pay a high interest rate for this loan?(because of my rating), if in fact it is funded, however, overall, this will still be an advantageous arrangement for me in the long term.I do not have a mortgage payment, as I rent (at $782 per month), and I have an auto payment of $550 a month, which are my major expenses; I can afford a monthly payment in the neigherborhood of $300 to $400 for the repayment of this loan.

I will be more than happy to supply proof of income/employment towards this end. Thank you, in advance, for your consideration of my request.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454716
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,777.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.90% Starting borrower rate/APR: 28.90% / 31.26% Starting monthly payment: $158.07
 
Auction yield range: 11.04% - 27.90% Estimated loss impact: 10.70%  
Lender servicing fee: 1.00% Estimated return: 17.20%  
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: Feb-1990 Debt/Income ratio: 38%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 9Length of status:2y 9m
Credit score: 700-719 (Apr-2010) Total credit lines: 53 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $13,617Stated 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: ocxpunk Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 19 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
(Sep-2009)
660-679 (Jul-2009)
640-659 (Jun-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Pay you instead of cc companies
Purpose of loan:
This loan will be used to payoff a?two?credit cards that I have?not been using and?pay down the balance, but since I?have been?paying them off, the terms have changed recently.? One has a rate of 10.99 and the other has a rate of 22.99.? I owe a little more than this, but this would help me payoff the rest much easier with a steady payment.??My goal is to?pay?off?everything, completely in 3 years, and this is a clean way to get it done and not give the cc companies all the profits since they can choose to raise the rates up to close to 29% at any time they choose.?

I completed a small?prosper loan at 10.99% or something close to that, and this is my second loan attempt to complete the payoff on crecit cards that was started.

I am a good candidate for this loan because I have had no lates on my credit since early 2007?plus my employment is with a company that is growing.

Monthly net income: $ 3303

Monthly expenses: $
??Housing: $?850
??Insurance: $ 145
??Car expenses: $ 180
??Utilities: $?105
??Phone, cable, internet: $?30
??Food &?household items: $?390
? Clothing, childcare:? 460
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $437.32
 
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: Oct-1989 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: 5 / 4Length of status:6y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 1 Revolving credit balance: $1,235Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 9    
Screen name: trade-kung-fu 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
Credit Card debt.
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 454722
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $904.72
 
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-1993 Debt/Income ratio: 44%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 14 / 14Length of status:0y 11m
Credit score: 700-719 (Apr-2010) Total credit lines: 32 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $58,480Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: nurse7 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
payoff my credit card
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454730
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.90% Starting monthly payment: $39.76
 
Auction yield range: 14.04% - 24.00% Estimated loss impact: 15.78%  
Lender servicing fee: 1.00% Estimated return: 8.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2003 Debt/Income ratio: 21%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:4y 5m
Credit score: 620-639 (Apr-2010) Total credit lines: 29 Occupation: Nurse's Aide
Now delinquent: 2 Revolving credit balance: $2,368Stated income:$25,000-$49,999
Amount delinquent: $4,265 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: 2baibeeicca 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: 21 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
540-559 (May-2008)
520-539 (Apr-2008)
540-559 (Mar-2008)
540-559 (Jan-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Paying for Register Nursing Fees
Thank you for taking the time to look at my proposal.

I'm in need of $1000 to help pay for registered nursing (RN) fees. With this loan, I will be paying for the my RN license, the NCLEX (test to in order to become a licensed RN) and Kaplan (class on strategies that will help pass the NCLEX).

Q: What do you do and how long have you been there?
I have been employed with my current employer for 4 1/2 years as a nurse assistant. After I pass the NCLEX, I will continue to work at my current employer.

Q: Why do you have delinquencies?
All the delinquencies that are on my credit report is from medical bills. I was not able to pay for at that time so they went to collections.

Q: Any other information that we should know about?
I will be graduating from nursing school in June 2010. I recently paid off all my revolving credit card debt and this listing does not reflect that. I can put the fees on my credit card but I rather have a fixed monthly payment and be free from all credit card debt. And if granted, this would be my second time loaning with prosper. If you look above, I have never been delinquent with my previous prosper loan.

I appreciate you looking at my listing. If you have any questions, I encourage you to ask. Thanks again. :)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454734
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $180.86
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.90%  
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: Dec-1988 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:7y 0m
Credit score: 720-739 (Mar-2010) Total credit lines: 25Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $4,331 
Amount delinquent: $0 Bankcard utilization: 15%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: justice-collector Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory for auto buseness
Purpose of loan:
This loan will be used to buy autos at auction. I am a Dealer Agent?whitch allows me to buy cars at auction at a low price. I have been using my money to buy 1 car at a time. When that car sells I buy another. I would like to have an small inventory of cars ( more to pick from and more profit) to sell at low prices. I do not have any?overhead other then a 75.00 ad and I make about $500.00 a car. All the cars I have bought, I have sold for?a profit. Everyone I have sold a car to has been happy with their car?and some have told their friends which lead to more sales. I am retired and this is how I earn extra money and I enjoy doing this. I also am a lender on Prosper.

My financial situation:
I am a good candidate for this loan because? 1. I have a good credit rating. 2.I can make the loan payments even if I don't sell the cars. 3. I am retired from the U.S Goverment and get a check every month. 4 The $4,000. on credit cards is from?Home Depot same as cash so I haven't?paid it off but I am paying?on it every month so it will be paid off without intrest.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1996 Debt/Income ratio: 37%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 4Length of status:10y 11m
Credit score: 740-759 (Apr-2010) Total credit lines: 21 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $16,473Stated 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: orange-diversification-wicket 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
consolidating the debt
Purpose of loan:
This loan will be used to pay off debt caused by fraud to my Visa.? Should be resolved within 60 days.? ?

My financial situation:
I am a good candidate for this loan because I believe in paying my bills.? Although I have high credit due to family members being laid off, my job is long term and secure, and I have a plan in place to pay off all my debt within 4 years without declaring bankruptcy or ruining my credit.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $73.85
 
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: Mar-1992 Debt/Income ratio: 5%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 5Length of status:1y 10m
Credit score: 720-739 (Apr-2010) Total credit lines: 18 Occupation: Sales - Retail
Now delinquent: 6 Revolving credit balance: $636Stated income:$25,000-$49,999
Amount delinquent: $2,903 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: tony1523 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Old Collections
Purpose of loan:
?Hello everyone back in college(5 years ago)?i got a couple credit cards and maxed them out and never paid them back . Now they are all collections and holding me back from having a high credit score..everything i have now i pay on time..credit cards, student loans etcc... i make enough money to make payments i just dont have enough to pay it all at once which is minimal $2,900.00.

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

Monthly net income: $ 1700

Monthly expenses: $ 700
??Housing: $ 300
??Insurance: $ 75
??Car expenses: $ 0 (company car
??Utilities: $ 50
??Phone, cable, internet: $ 65
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 40
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
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: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 9%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 6Length of status:2y 9m
Credit score: 620-639 (Apr-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 2 Revolving credit balance: $4,279Stated income:$50,000-$74,999
Amount delinquent: $169 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 12    
Screen name: londongirl67 Borrower's state: Illinois Borrower's group: NO DELINQZ
Credit and homeownership information was obtained 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: 63 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
600-619 (Jan-2008)
580-599 (Nov-2007)
600-619 (Oct-2006)
 
Principal balance: $704.33 1+ mo. late: 0 ( 0% )
Total payments billed: 63  
Description
Paying off my credit cards
I would like to finally pay off my outstanding credit card bills once and for all.? I recently paid off my first loan with Prosper and I have never missed a payment or been late. My existing loan with Prosper will be paid in full by January 2011 and again I have never missed a payment on this loan.? My monthly salary is $ 3250 (net) and my monthly expenses are $ 2230.

Monthly expenditures:

Rent ???? ?? ???? ????? ???? ???? ???? ???? ???? ???? $ 650
Electricity ???? ????? ???? ???? ???? ???? ???? ????? $ 50
Cable/Internet??????????????????????????????????? $ 150
Transportation ???? ???? ???? ???? ???? ???? ???? $ 90
Dell ???? ???? ???? ???? ???? ???? ???? ???? ???? ???? $ 100
Insurance ???? ???? ???? ???? ???? ???? ???? ???? ? $ 200
Prosper ???? ????? ???? ???? ???? ???? ???? ???? ??? $ 90
Credit card ???? ???? ???? ???? ???? ???? ???? ???? $ 500
Groceries ???? ???? ???? ???? ???? ???? ???? ???? ? $ 200
Misc/mobile phone ??????????????????????????? $ 200

With my salary I will not have a problem with the loan repayments and I hope that the prosper community at large will help me fund this new request.














Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $407.12
 
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-1994 Debt/Income ratio: 9%
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 6Length of status:2y 9m
Credit score: 700-719 (Apr-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $909Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 11    
Screen name: skillful-balance1 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
Re=building deck. Finishing attic
Purpose of loan:
This loan will be used to re-build deteriorating deck and finish attic room.

My financial situation:
I am a good candidate for this loan because I am gainfully and securely employed and have very manageable debt.

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

Monthly expenses: $ 600.00
??Housing: $ 1574.00
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $655.98
 
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: Sep-1989 Debt/Income ratio: 10%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:4y 7m
Credit score: 720-739 (Mar-2010) Total credit lines: 23 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $17,672Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Moe-Szyslak Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
760-779 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Paying Taxes ands Student Loans
I'm creating this listing to pay off a IRS bill
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454796
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1988 Debt/Income ratio: 12%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 9 / 6Length of status:8y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 32Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $3,531 
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: focused-openness1 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
Debt consolidation
Purpose of loan:
This loan will be used to? pay off a high interest loan of 2500

My financial situation:
I am a good candidate for this loan because? My payment history will show that I have a good payment history over the last five years. I live with my parents to assist them in taking care of their home, so my housing expense is very low.

Monthly net income: $ 4750

Monthly expenses: $
??Housing: $ 0
??Insurance: $ o
??Car expenses: $ 125
??Utilities: $ 60
??Phone, cable, internet: $ 125
??Food, entertainment: $ 250
??Clothing, household expenses $?200
??Credit cards and other loans: $?900
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $517.04
 
Auction yield range: 17.04% - 27.00% Estimated loss impact: 19.57%  
Lender servicing fee: 1.00% Estimated return: 7.43%  
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: Mar-1993 Debt/Income ratio: 14%
Basic (1-10): 2 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:13y 8m
Credit score: 720-739 (Apr-2010) Total credit lines: 62 Occupation: Teacher
Now delinquent: 3 Revolving credit balance: $5,728Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 19    
Screen name: God-is-Good 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 some debt
Purpose of loan:
This loan will be used to?pay down my highest credit card balance as well as to pay off another loan against my husband's retirement acct.

My financial situation:
I am a good candidate for this loan because?I will pay it back.? I've had some misfortunes in the past, but for the most part, I am responsible and do pay my debts.? I just want to leverage our finances so that we can qualify for better rates and open up our corporation.? My credit score is over 700...but because of my bk over 7 years ago and a foreclosure which was from helping friends get into a home for their family almost 2 years ago...and negotiating a loan mod w/my current 2nd mortgage that fell to the way side, I am characterized as a high risk.? The only way for any one to truly know that I am responsible and do pay my debts on time, is for them to give me a chance.? I am in between real estate sales, waiting for approvals on my short sales for my sellers and am in need of finances to pay down some debt and open up my own corporation.? I have no recent lates for anything but what my 2nd mortgage has reported in July of 2009.? I just need a chance to prove once again that I am trustworthy.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1986 Debt/Income ratio: 9%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:20y 5m
Credit score: 760-779 (Mar-2010) Total credit lines: 15 Occupation: Police Officer/Corr...
Now delinquent: 1 Revolving credit balance: $59Stated income:$50,000-$74,999
Amount delinquent: $14,336 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: just-gettin-by 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: 3 ( 100% ) 760-779 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
660-679 (Oct-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 3  
Description
Patio in Yard. 2nd Prosper Loan
Purpose of loan:
This loan will be used to?? Consolidate debt, as well as put in a back patio on our house.? I already have the manpower lined up, I just need to purchase the supplies.

My financial situation:
I am a good candidate for this loan because??? I am trustworthy, and understand the value of a dollar.? This will be my second Prosper Loan, as I paid off my first?one very quickly.?Please help me in my endeavor to consolidate debt and to help build equity in my home. I am recently divorced which has really hurt my credit (due to a home my ex has in Florida), however, I am slowly overcoming the monetary problems with the divorce.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,180.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 28.21% Starting borrower rate/APR: 29.21% / 31.58% Starting monthly payment: $133.62
 
Auction yield range: 14.04% - 28.21% Estimated loss impact: 15.99%  
Lender servicing fee: 1.00% Estimated return: 12.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 19%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 6Length of status:14y 10m
Credit score: 620-639 (Apr-2010) Total credit lines: 15 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $24,662Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: EmoDx Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,400.00< mo. late: 0 ( 0% )  
600-619 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 4  
Description
Active Duty Military 2nd Short Loan
Purpose of loan:
This loan will be used to pay off credit card debt. Two cards will be paid off and the monthly Prosper payment will be lower than my current card payments. Thank you for your consideration.

My financial situation:
I am a good candidate for this loan because I have a guaranteed Career Status Bonus that will pay $21k after taxes by 15JUL10. Additionally I have obtained a Prosper loan prior to a bonus and paid it off within 5 months of obtaining the loan. This is a very similar circumstance. This is loan is to increase my credit rating in order to maintain my security clearance and also to position myself for a first home purchase in April-May. I anticipate holding this loan for less than 9 months. This Prosper payment is less than the two cards that will be paid off.

Monthly net income: $ 4611.00

Monthly expenses: $
??Housing: $1300
??Insurance: $140
??Car expenses: $ 500
??Utilities: $300
??Phone, cable, internet: $260
??Food, entertainment: $660
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 680
??Other expenses: $ 41
? Savings: $32.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454832
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1994 Debt/Income ratio: 15%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:4y 6m
Credit score: 720-739 (Apr-2010) Total credit lines: 29 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $3,121Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: lovely-benefit1 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: 0 ( 0% ) 720-739 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
720-739 (Feb-2010)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 0  
Description
Help us start a BREWERY!
Purpose of loan:
This loan will be used to fund start up costs of a new craft brewery in Southeast Texas! Our family has been brewing beer for several months and we are ready to take our beer to the people of Texas! We promise to show the people of this great state the same care and attention that we've shown friends and family. We have been given an opportunity to showcase our beer in two local restaurants, which will allow us to grow our operation conservatively with little risk.

The craft beer industry in Texas is BOOMING! See Saint Arnold's, Southern Star, 512, Rahr & Sons and Rio Blanco for proof that is industry is on the way UP! The majority of this loan will go to a TABC Brewer's Permit with the rest going to any upgrades in equipment that might be necessary to grow our business.

My financial situation:
I am a good candidate for this loan because I have an impeccable payment history on Prosper. This is a low-risk investment for Prosper lenders.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $108.52
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.90%  
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-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:10y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,911Stated 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: thefield 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
unexpected expenses/debt consolidat
Purpose of loan:
This loan will be used to?pay unexpected expenses and consolidate some bills.

My financial situation:
I am a good candidate for this loan because I am trustworthy and will make payments on time and may even be able to pay off early.

Monthly net income: $ 2000

Monthly expenses: $ 1000
??Housing: $ N/A
??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 454850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,200.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $167.79
 
Auction yield range: 4.04% - 9.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
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: May-1988 Debt/Income ratio: 23%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:10y 9m
Credit score: 780-799 (Apr-2010) Total credit lines: 17 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $3,342Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bmoore7424 Borrower's state: Oregon Borrower's group: Small Business &amp; Self Employed
Credit and homeownership information was obtained 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 ( 100% ) 780-799 (Latest)
Principal borrowed: $9,999.00< mo. late: 0 ( 0% )  
680-699 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Consoldate and Pay-Off
I want to use this loan to pay off all credit cards with?a balance of about 3300.00. The rest I plan to put in the bank.?I am currently a Manager at a Restaurant (been there for 10 years) and income last year was $40,000.00 and will stay the same this year as well.I paid off my last prosper loan, didn't miss a payment and, will probably pay this one off early.? I just want to improve my credit even more and will not use these cards once paid off. Perhaps just a little so they won't cancel due to non-use.Thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454868
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 30.00% Starting borrower rate/APR: 31.00% / 33.39% Starting monthly payment: $107.50
 
Auction yield range: 17.04% - 30.00% Estimated loss impact: 19.76%  
Lender servicing fee: 1.00% Estimated return: 10.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 6%
Basic (1-10): 5 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 3Length of status:14y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 30 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $217Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: return-equilibrium4 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
640-659 (Nov-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
Paying off loan
Purpose of loan:
This loan will be used to pay off a 401k loan I took out 3 years ago prior to divorce that takes out $260 a month from my paycheck. So this is basically restructuring that loan for a longer term and lower monthly payments.

My financial situation:
I am a good candidate for this loan because aside from a bump in the road the past year due to divorce, I've had good credit and I've had a loan through prosper last year that I paid off.

Monthly net income: $ 2300

Monthly expenses: $
??Housing: $ 50
??Insurance: $ 50
??Car expenses: $ 50
??Utilities: $ 0 (live with family)
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 50
??Other expenses: $ 450 child support
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $212.26
 
Auction yield range: 17.04% - 29.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1982 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 2 / 2Length of status:19y 7m
Credit score: 720-739 (Apr-2010) Total credit lines: 25 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $1,768Stated income:$50,000-$74,999
Amount delinquent: $244 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 46    
Screen name: return-crusader0 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
Upgrade to Natural Gas from Oil
Purpose of loan:
This loan will be used to? upgrade my 22 year old oil fired furnace to a new efficent natural gas furnace, which I am told will cut my fuel use by 40 percent. My home is older and even with insulation updating and new windows the oil is still very costly means of heating.??

I am a good candidate for this loan because? I am a self starter I get up every morning and run my own business to support my family (no excuses you have?to make it happen) ?Have kept the same business running since September 1990. After establishing a second location in Michigan we aquired our Federal Trademark for Critters Choice. Recently we opened our online store www.critterschoice.net offering 17000 pet related items in addition to our core business of pet care services www.critterschoice.com.

In 2003 we filed bankruptcy from my wifes battle with cancer, we entered a chapter 13 repayment program instead of just walking away with a chapter 7. We completed our repayment program 2 years ago. All the creditors remain on our credit report for 8 years no matter what. Our insurance that we expected to cover simply refused, I exhausted every available asset. My wife is alive and well today and we completed the repayment program, we are decent hard working people.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454922
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.5%  
   
 
Starting lender yield: 24.01% Starting borrower rate/APR: 25.01% / 27.32% Starting monthly payment: $178.94
 
Auction yield range: 8.04% - 24.01% Estimated loss impact: 7.07%  
Lender servicing fee: 1.00% Estimated return: 16.94%  
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: Jul-1985 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:2y 7m
Credit score: 640-659 (Apr-2010) Total credit lines: 28 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $7,725Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 59%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 16    
Screen name: fervent-commerce 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
Trying to lower monthly payment
Purpose of loan:
This loan will be used to?
Pay off?a?Capital One Loan?and lower my monthy payment?by $401
My financial situation:
I am a good candidate for this loan because?
I have rebuilt my credit over the last?5 years and have had no late payments in this time.? I strugged in 2004 & early 2005 following my divorce from a spouse who liked to live beyond her means, but I have my finances back on track.??This loan will help me eliminate a $4500 Captial One Personal loan.? The Payment is now $580 and am am looking to reduce my monthly payment.? I have not been late on ANY payments?in over 5 years as indicated on my Credit report.? I can be trusted to repay as agreed.
Monthly net income: $
3500
Monthly expenses: $
??Housing: $ 750????
??Insurance: $ 95
??Car expenses: $430
??Utilities: $?100 most are included in rent
??Phone, cable, internet: $?25?
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 700? ( will be decreased by $580 with the loan)?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-2008 Debt/Income ratio: 17%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 3Length of status:0y 11m
Credit score: 700-719 (Apr-2010) Total credit lines: 4 Occupation: Other
Now delinquent: 0 Revolving credit balance: $188Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: benevolent-dime3 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
Honest person buying my first car
Purpose of loan:
This loan will be used to? buy my very first used, but new to me car:)

My financial situation:
I am a good candidate for this loan because? I have a very steady job and a 694 credit score, only under 700 due to a car dealership applying for a loan without my consent. I am diligent in paying all my bills on time and take pride in being trustworthy, hardworking, and an overall god person.?

Monthly net income: $ It is an hourly position so it will fluctuate a bit but always between 1300-1700.

Monthly expenses: $ i live with my fiance and he takes care of the rent and most utilities. I have my cell phone at about $100 a month and I've paid off all my credit cards except for one card that has a balance of about 188 dollars left on it. I will pay an electric bill of 60 here or there but my fiance takes care of most of them and would be helping out with the loan as well so he can stop being my chauffeur :D
??Housing: $ 0
??Insurance: $ 0, but car insurance will be 80
??Car expenses: $ 0
??Utilities: $ 60
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 188 total left on one credit card
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454934
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
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-1980 Debt/Income ratio: 27%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 15Length of status:2y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 36 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $25,007Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: worldly-principal8 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?

My financial situation:
I am a good candidate for this loan because? I have a steady and stable record of employment and residence.? I am looking to consolidate some debt in order to reduce credit card debt quickly.? This loan will be paid back, as indicated by my payment history. My credit record may indicate one or two very small charge-offs, but those were for disputed charges.

Monthly net income: $ 4800

Monthly expenses: $
??Housing: $?860
??Insurance: $ 187
??Car expenses: $?870
??Utilities: $?115
??Phone, cable, internet: $ 296
??Food, entertainment: $ 700
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1000
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $195.33
 
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: Feb-2006 Debt/Income ratio: 13%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:2y 4m
Credit score: 720-739 (Apr-2010) Total credit lines: 6 Occupation: Other
Now delinquent: 0 Revolving credit balance: $546Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: top-credit-corps4 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 for tuition and books.
Purpose of loan:
This loan will be used to? Pay for anything college related tuition, books, and maybe a laptop.

My financial situation:
I am a good candidate for this loan because?I have a full-time job so paying off the loan should not be hard and the loan will be returned with interest as soon as possible.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454946
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $178.26
 
Auction yield range: 14.04% - 16.00% Estimated loss impact: 14.70%  
Lender servicing fee: 1.00% Estimated return: 1.30%  
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: Feb-2007 Debt/Income ratio: 35%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:3y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 7 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $6,805Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: trade-maverick4 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 my credit cards
Purpose of loan:
This loan will be used to? pay off my credit cards

My financial situation:
I am a good candidate for this loan because I have a stable job and i'm tired of managing several credit card accounts. I do not have any exprense on housing and food since I live with my parents.

Monthly net income: $ 1000

Monthly expenses: $
??Housing: $ 0
??Insurance: $0
??Car expenses: $ 60
??Utilities: $?0
??Phone, cable, internet: $?50
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $?150
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.01% Starting borrower rate/APR: 12.01% / 12.36% Starting monthly payment: $166.10
 
Auction yield range: 3.04% - 11.01% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1993 Debt/Income ratio: 38%
Basic (1-10): 7 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 24 / 22Length of status:5y 11m
Credit score: 800-819 (Apr-2010) Total credit lines: 32 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $15,221Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: power-winner5 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 credit cards
Purpose of loan:
This loan will be used to consolidate all the credit cards that I have into one amount?

My financial situation:
I am a good candidate for this loan because I have a steady job for the past 6 years in an institution that has been around for decades.? I have never been late on any of my bills, but recently medical expenses and whatnot forced me to use the credit cards more than I wanted to.? I am a responsible payer with a very good credit score and do not believe in borrowing and running.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1993 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 4Length of status:0y 2m
Credit score: 680-699 (Mar-2010) Total credit lines: 31 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $1,406Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 30%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: momto2jboys 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 13 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
620-639 (May-2009)
620-639 (Oct-2008)
640-659 (Mar-2008)
760-779 (Aug-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
paying off bills
Purpose of loan:
This loan will be used to pay off medical bills . Trying to get caught up so I pay one payment for bills instead of small payments for 20 different people.?



My financial situation:
I am a good candidate for this loan because?I have had several loan from prosper and have always made the payments on time and every month.? I also have paid it off before hand each time. ??

Monthly net income: $1050.00

Monthly expenses: $? most bills my husband pays with his income.???I work a lot of overtime and would?be able to make the monthly payment no problem

??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 454964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1999 Debt/Income ratio: 18%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:4y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 14 Occupation: Other
Now delinquent: 0 Revolving credit balance: $19,005Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: order-tostada9 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?

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 454976
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $19,500.00 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: $821.20
 
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-1998 Debt/Income ratio: 24%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:1y 8m
Credit score: 740-759 (Apr-2010) Total credit lines: 24 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $26,204Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: WMI-First-Start Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
760-779 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 9  
Description
Steady Income - Pay off Cards
End This Credit Card Debt Once And For All!

I have already taken out a loan on Prosper before, and have paid it back successfully. Now, I'm asking to take out another loan so I can get out from under the thumb of the credit card companies.

My plans:
Simply put - I got out of the military, changed jobs, my income went down, and my expenses didn't. So I took on more debt via credit cards than I would have liked to. Combined with my tax return, I plan on using this money to simply pay off the cards and never use them again. I am already paying the cards down, I just want to pay them down faster (because less money will go toward interest).

My financial situation:
I have a stellar payment history and reliable income from GE in addition to my National Guard income. If the loan is not approved, I will simply pay the cards off over a longer period of time using my current income, however, I would much rather pay a lower interest rate to normal people like you instead of ridiculously high interest rates to the credit card companies.

Repayment:
Now that my income is back up, I can start to pay down these cards, but wanted to do so at a rate that is better than the credit card companies are willing to offer me. The loan will be repaid with my income from GE and the National Guard. I am already setting aside over $900 per month to pay the cards down, but the problem is that a good portion of that has been going to interest, making my time to repay much longer than it needs to.

Thanks for your consideration!! Please let me know if you have any questions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.04% - 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-1963 Debt/Income ratio: 41%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):2 Current / open credit lines: 16 / 14Length of status:10y 4m
Credit score: 760-779 (Apr-2010) Total credit lines: 40Stated income:$75,000-$99,999
Now delinquent: 0 Revolving credit balance: $271,498 
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: prudent-justice0 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
Inventory and Marketing/Sales Plan
Purpose of loan:
This loan will be used to finalize the manufacturing and purchase of inventory for the TunerMatic Automatic Guitar Tuner. It will also be used to execute our Sales and Marketing Plan. www.tunermatic.com

My financial situation:
I am a good candidate for this loan because I have consistently been an excellent pay on all loans since graduating college in 1959.? I have dual pensions from the State of Pennsylvania and the County of Chester in Pennsylvania.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
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-1997 Debt/Income ratio: 21%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 10 / 7Length of status:0y 9m
Credit score: 680-699 (Apr-2010) Total credit lines: 37 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $40,721Stated 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: Chargers23 Borrower's state: Alabama 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
Home repairs-Pay back in 3 months
Purpose of loan:
I have a contract with the current owner of this house.? I paid enough of her back payments to keep the house from getting foreclosed on.? I need about $7000 to make some cosmetic repairs and then I am going to sell the house for a very nice profit.? I have flipped (bought, renovated, resold) 5 or 6 houses over the past 7 or 8 years so I know exactly what I am doing.? The house is only 8 years old and only needs some landscaping, applicances, new paint and carpet and a good cleaning.? My total investment in the house will be about $78,000 and I will sell it for $105,000-$110,000.? Three houses on the same street that are almost exactly like this one sold last year; all for between $101,000 and $108,000 and none of the three was on the market for longer than 63 days.

My financial situation:
I am a mortgage loan officer.? The last few months of 2009 were pretty bad at my work.? Things are much better now and the spring/summer buying season looks very good.? I maxed out the couple of credit cards I have to tide us over during that time or I would be able to just put the money on a credit card.? We are getting a $10K tax refund in the next month and my commissions are getting back to normal next month so we will be fine.? Once I sell this house I will net $20,000-30,000 from the sale to pay off this loan and all our other debts.?

I have no late payments of any kind, ever.? All our mortgage, credit card, loan payments have always been on time.? My credit score is lower than it normally is because my balances got a little too high on the credit cards.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 100
??Car expenses: $ 250
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 415089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.03% Starting borrower rate/APR: 15.03% / 17.20% Starting monthly payment: $346.80
 
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: Apr-2002 Debt/Income ratio: 26%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 13Length of status:6y 0m
Credit score: 720-739 (Apr-2010) Total credit lines: 24 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $5,662Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mattwinch13 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 / 3 On-time: 15 ( 100% ) 720-739 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
600-619 (Apr-2008)
660-679 (Dec-2007)
700-719 (Sep-2006)
700-719 (Apr-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Paying off my credit Card
Purpose of loan:
This loan will be used to consolidate debts

My financial situation:
I am a good candidate for this loan because I have a strong repayment history. The payment will be made automatically from my checking account.

Monthly net income: $4000+ between my wife and I.

Monthly expenses: $2490
??Housing: $400
??Insurance: $300
??Car expenses: $100
??Utilities: $400
??Phone, cable, internet: $40
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $500
??Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 422929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1980 Debt/Income ratio: 23%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 18Length of status:23y 3m
Credit score: 780-799 (Apr-2010) Total credit lines: 47 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $12,092Stated 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: meanmary Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
760-779 (Apr-2008)
 
Principal balance: $1,954.61 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Tired of credit card debt
Purpose of loan:
Get rid of an outrageous?23% interest rate credit card debt.

My financial situation:
I am a good candidate for this loan because I have worked in the same government job for over 23 years, it's just that the government doesn't pay as well as the private sector.? I get a steady paycheck every 2 weeks.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 426069
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $92.81
 
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: Jun-1988 Debt/Income ratio: 19%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 20 / 17Length of status:8y 9m
Credit score: 740-759 (Apr-2010) Total credit lines: 39 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $53,255Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: HighPaidConsultant Borrower's state: NewHampshire Borrower's group: Duke University Alumni
Credit and homeownership information was obtained 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: 63 ( 98% ) 740-759 (Latest)
Principal borrowed: $25,001.00< mo. late: 1 ( 2% )  
740-759 (Nov-2007)
760-779 (Sep-2006)
 
Principal balance: $3,557.08 1+ mo. late: 0 ( 0% )
Total payments billed: 64  
Description
Debt Consolidation
Hi:

I am using this loan to consolidate an existing Prosper Loan.

I already have a proven record of successfully paying off another Prosper Loan.

I have sufficient cash flow to easily pay back this debt and?have never paid a bill late so your loan is virtually risk-free.? Why lend to a "HR" borrower and risk losing your money?

Thanks
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437417
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 17.04% - 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-1994 Debt/Income ratio: 53%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Retired
Enhanced (1-5):2 Current / open credit lines: 32 / 31Length of status:15y 6m
Credit score: 620-639 (Apr-2010) Total credit lines: 57Stated income:$1-$24,999
Now delinquent: 1 Revolving credit balance: $17,364 
Amount delinquent: $130 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: the-worth-samurai Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
660-679 (Aug-2008)
 
Principal balance: $868.60 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
help my daughter buy a mobile home
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? i already have a loan and never been late.i will pay old loan off and help my daughter buy a mobile home.?

Monthly net income: $ 2000.00 plus husband 5000.00

Monthly expenses: $
??Housing: $ 940.00
??Insurance: $
??Car expenses: $ 600.00
??Utilities: $?200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 443025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $294.03
 
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-1996 Debt/Income ratio: 26%
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 14Length of status:9y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 28 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $4,249Stated income:$50,000-$74,999
Amount delinquent: $2,387 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: jls3278 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: 17 ( 94% ) 640-659 (Latest)
Principal borrowed: $2,500.00< mo. late: 1 ( 6% )  
660-679 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Desperate remodeling work needed
Purpose of loan:
This loan will be used to do some remodeling and purchase a new furnace/air conditioner. ?

My financial situation:
I am a good candidate for this loan because I have shown my ability to pay my monthly loan.?

Monthly net income: $ 4200.00

Monthly expenses: $
??Housing: $ 1200.00
??Insurance: $ 35
??Car expenses: $ 240
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 150
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 443621
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,265.00 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: $147.70
 
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-2003 Debt/Income ratio: 31%
Basic (1-10): 5 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 10Length of status:0y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 14 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $11,546Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 73%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bigfriday 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: 21 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,999.00< mo. late: 0 ( 0% )  
600-619 (Jul-2009)
600-619 (Jul-2008)
600-619 (May-2008)
600-619 (Mar-2008)
 
Principal balance: $1,469.95 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
2nd listing, 100% on time
I have never been late on a payment on any account, including Prosper. I respect that Prosper lenders were probably hit hard in the recession, necessitating a re-formatting of Prosper ratings, but I'm surprised to be an HR. What it means for lenders is you get to make a really nice return on a sound investment.
Purpose of loan: In summer 08, Prosper helped me finance my auto purchase. I upgraded for professional reasons. Since then, I was promoted once, then accepted a better job! Meantime, I still have a subpar credit score thanks to youthful stupidity. I am looking to turn some revolving consumer junk with rates in the high 20%s into straight loans I can pay off and be rid of.
Cash flow in: $2500/salary + commission from $1000-6000 per month. In my first six months I have had at least $1750 per month commission for a total of $4250/month. I have calculated my annual salary based on this minimum I've made every month.
Cash flow out:
$ 2690/mo. With this new loan, that will decrease by $75-100 depending on final interest rate.
??Housing: $ 1100/mo
? Car expenses: $550 (Includes my current Prosper loan, gas, insurance, and my split on auto loan I share with fiancee?she drives that car but I pay half and she takes care household and clothing)
Utilities: $110?my half, always way overshoot this expense. Includes cable and internet
Phone: $80
Food, entertainment: $260---groceries; fiancee and I split this expense
Credit cards and other loans: $368 (including student loans--$221 of this per month will be erased in this refinancing).
My poor credit rating stems from: two MasterCards and two consumer cards were overused while I earned my Bachelor?s degree, leaving me with high DTLs/utilization. This loan will get those consumer cards down to zero, and I have made some good progress already on the credit cards (see vastly improved credit score).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.08% Starting borrower rate/APR: 18.08% / 20.29% Starting monthly payment: $271.44
 
Auction yield range: 17.04% - 17.08% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.86%  
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: Feb-1998 Debt/Income ratio: 25%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 13Length of status:14y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 42 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $10,142Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: terrific-openness8 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 credit card off
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448323
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 10 / 8Length of status:3y 2m
Credit score: 680-699 (Apr-2010) Total credit lines: 29 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $12,378Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: meteoric-dedication 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
Business
Purpose of loan:
This loan will be used to advance our business into the 2nd tier of our strategic plan.



My financial situation:
I am a good candidate for this loan because I am very responsible, hard worker and want to pay this back as soon as possible. Our business is growing every month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 452225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.85% Starting monthly payment: $47.00
 
Auction yield range: 8.04% - 17.00% Estimated loss impact: 6.89%  
Lender servicing fee: 1.00% Estimated return: 10.11%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1998 Debt/Income ratio: 54%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 21 / 21Length of status:3y 8m
Credit score: 660-679 (Mar-2010) Total credit lines: 54 Occupation: Teacher
Now delinquent: 1 Revolving credit balance: $25,464Stated income:$25,000-$49,999
Amount delinquent: $122 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: responsive-currency92 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Travel Loan
Purpose of loan:
This loan will be used to pay for my portion of taking my students on a trip to Germany this summer

My financial situation:
I am a good candidate for this loan because I will be able to easily repay the loan by mid summer. It will be a very short term loan as I receive an extra paycheck in May to pay the loan off. Unfortunately I need to pay the trip cost by the end of April prior to getting the extra check.

Monthly net income: $ 4957

Monthly expenses: $?4500
??Housing:?$ 1100
??Insurance: $96
??Car expenses: $ 450
??Utilities: $?350
??Phone, cable, internet: $?240
??Food, entertainment: $?1000
??Clothing, household expenses $?
??Credit cards and other loans: $?1500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453083
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $311.58
 
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: Jun-1999 Debt/Income ratio: 41%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 13Length of status:8y 9m
Credit score: 700-719 (Apr-2010) Total credit lines: 35 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $12,147Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ingenious-exchange Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 60% ) 700-719 (Latest)
Principal borrowed: $4,000.00< mo. late: 2 ( 40% )  
660-679 (Aug-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
paying off cards
Purpose of loan:
This Loan will be used to consolidate some debts that I have promised my wife I would help her payoff.? Including some card balances and some real estate property that we acquired about 6 months back.? The interest only payment on the loan is pretty close to what I could be paying to combine and pay off the principal as well.? The credit cards are from home depot and other home furnishing stores, which we purchased things for our home to make this our dream house etc......? These cards carry the high interest rates of upward of 20%? I have paid off a previous prosper loan I had and it took 6 months.? I? have a very good repayment history. This is why I don't understand my HR rating on prosper because I have paid off and closed many trade lines on my credit report which makes me think, it mightof had a negative effect even thoughmy credit score is above 700+, I would like a rate around 12-16%.? Which would be a good return for investor and solid rate for me.

My financial situation:
I am a good candidate for this loan because I have paid back another prosper loan in the past, I think it took me about 6 months.? I also plan on getting this loan paid off ASAP as well.? I will uses my quarterly bonuses and incentives to make principal reductions.? I have worked for the same company for about 8 years?as an underwriter and risk manager/ currently job title is Project Mgr managing government laws and requirements for the international Bank that employees me.? My Spouse also works in the financial industry and has solid income and has been with that company for over 10 years.?? We have combined over $55k in stocks and funds, which we could liquidate but we prefer not to and just pay an accelerated loan payment schedule.? My credit is very solid and I have never had any loan default and I think I may have taken a hit due to me paying off about 4 different credits and closing the credit/line of credit early.? My credit score is still very solid and I do not have any delinquent payments.
Monthly net income: $ 3,400 ($7,600 Household)

Monthly expenses: $
??Housing: $ 900
??Car expenses: $ 0 (as of April 15th)
??Utilities: $ 300
??Phone, cable, internet: $ 125
??Food, entertainment: $ 400
??Clothing, household expenses $?200 Misc
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.04% - 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: 35%
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 5Length of status:14y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 18 Occupation: Nurse (LPN)
Now delinquent: 0 Revolving credit balance: $857Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: focused-p2ploan 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
consolidating debt
Purpose of loan:
This loan will be used to?consolidate debt in order to make more than the minimum payment.? I'm wanting to close out some accounts with high interest rates.?

My financial situation:
I am a good candidate for this loan because? my credit score the last time I checked was 759.? I'm in a profession where there is always ample work to do.? I always strive to pay my bills off on time, if not early.????????

Monthly net income: $ 2800.00

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 453817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $723.45
 
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: Mar-1994 Debt/Income ratio: 68%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 8Length of status:1y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 35 Occupation: Other
Now delinquent: 0 Revolving credit balance: $20,729Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: punctual-dinero 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
Consolidating High % Credit Cards
Purpose of loan:
This loan will be used to refinance some unnecessary high-interest accounts, and to send some of the interest I pay to more deserving investors, instead of the giant Banking Industry, that consistently overcharges me, despite an excellent payment history and credit record of always paying on time.
My financial situation:
I am a good candidate for this loan because I have a long credit history of never missing a payment over the past 20 years. I also have a steady employment history in my field for the past 20 years, as well. My situation has just recently changed, where my credit card companies have raised my interest rates for no reason, which has increased my monthly payments. I am a single parent with a daughter who has recently graduated college. I have supported her throughout her college education for 4 years and have used some of my credit cards to help her through. She now has full time employment in her field as a Merchandising Analyst with a New York Corporation. Now that she is all situated, I am trying to get back on track. I will appreciate any time taken in considering me for this loan in order to payoff my credit cards and make monthly expenses manageable again.

Monthly net income: $ 2200.00

Monthly expenses: $ 1,946.95
??Housing: $ 826.00 ???
??Insurance: $ 60.00
??Car expenses: $ Own
??Utilities: $100.00
??Phone, cable, internet: $ 69.95
??Food, entertainment: $ 100.00
??Clothing, household expenses $0
??Credit cards and other loans: $ 735.00
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 31.03% Starting monthly payment: $53.77
 
Auction yield range: 17.04% - 27.00% Estimated loss impact: 19.57%  
Lender servicing fee: 1.00% Estimated return: 7.43%  
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: May-1996 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Not employed
Enhanced (1-5):3 Current / open credit lines: 3 / 2Length of status:0y 1m
Credit score: 640-659 (Apr-2010) Total credit lines: 6Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $490 
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: laser214 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 Continued Education
Purpose of loan:
This loan will be used to further my education in commercial real estate; there is an 8-week course in which I would like to enroll.? As of today, April 14, 2010, I have been hired with the hire date of April 19, 2010.? My monthly income will change considerably, but of course, I will not see it until 2 weeks from my hire date.? Because I am not earning this currently, it isn't indicated below.

My financial situation:
I am a good candidate for this loan because I am committed to paying it back as quickly as I can, and I value my commitments.

Monthly net income: $ 2100

Monthly expenses: $
??Housing: $ 1035
??Insurance: $ 109
??Car expenses: $ 499
??Utilities: $ 120
??Phone, cable, internet: $ 85
??Food, entertainment: $ 25
??Clothing, household expenses $
??Credit cards and other loans: $ 30
??Other expenses: $ 20
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454369
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1999 Debt/Income ratio: 20%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 8 / 6Length of status:8y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,389Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 17    
Screen name: tspyder Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit debts and home remod
Purpose of loan:
This loan will be used to?Pay down credit and?remodel my new home. I need fences for my dogs and walkways put in for my wife who had hip replacement surgery last June.?

My financial situation:
I am a good candidate for this loan because? Am employed full time and am trying to?help my?wife to finish her?paralegall degree and my daughter to be able to further her education and to be able to appreciate our new home..I sacraficed to pay off the loan on my wife's specially equipped car which was equipped with special seats for her Fibromyalgia

Monthly net income: $ 3600.00

Monthly expenses: $
??Housing: $ 1,686033
??Insurance: $ 150.00
??Car expenses: $ 499.99?
??Utilities: $100.00
??Phone, cable, internet: $ 83.00?
? Food, entertainment: $50.00?
? Clothing, household expenses $100.00
??Credit cards and other loans: $254.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.99% Starting borrower rate/APR: 28.99% / 31.35% Starting monthly payment: $251.40
 
Auction yield range: 17.04% - 27.99% Estimated loss impact: 36.13%  
Lender servicing fee: 1.00% Estimated return: -8.14%  
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-1995 Debt/Income ratio: 43%
Basic (1-10): 1 Inquiries last 6m: 12Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 11 / 9Length of status:3y 2m
Credit score: 620-639 (Apr-2010) Total credit lines: 36 Occupation: Other
Now delinquent: 0 Revolving credit balance: $13,325Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: byrdron Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 28 ( 97% ) 620-639 (Latest)
Principal borrowed: $3,300.00< mo. late: 1 ( 3% )  
740-759 (Oct-2008)
700-719 (Jun-2008)
580-599 (May-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
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 have a stable income and I have received a loan thru Prosper in the past and it was paid in full with no late payments.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454411
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 17.04% - 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-2001 Debt/Income ratio: 2%
Basic (1-10): 4 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 2 / 2Length of status:9y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 57 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $329Stated income:$25,000-$49,999
Amount delinquent: $1,403 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: a-truth-accruer 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
Web Page Final makeov & Inventory
Purpose of loan:
This loan will be used to?
Finalize my webpage that is under construction " Theladiesplace.com" and get some additional inventory for the Online Store.
My financial situation:
I am a good candidate for this loan because?

Monthly net income: $ 3000.00

Monthly expenses: $
??Housing: $ O
??Insurance: $?70.00
??Car expenses: $ 0
??Utilities:?0
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 50.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $159.04
 
Auction yield range: 8.04% - 24.00% Estimated loss impact: 7.07%  
Lender servicing fee: 1.00% Estimated return: 16.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 31%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 14Length of status:3y 10m
Credit score: 660-679 (Apr-2010) Total credit lines: 39 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $18,620Stated 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: courageous-benjamins8 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my Citibank credit card.

My financial situation:
In January, Citibank raised my interest rate from 3.99% to 29.99% because of my debt utilization. In the seven years that I have had it, it was never paid late. This credit card is my oldest account and has the highest credit limit so I was afraid to close the account because it would hurt my score even more.? Therefore, I need a loan to pay it down so Citibank doesn't make tons of money off of me.

I am an excellent candidate for this loan because I always pay my bills on time. I do not have any negative comments on my credit report because I focus on paying my debts before anything else.? I do own a house but the co-owner and two renters currently occupy it.? I live at home with my parents to minimize expenses and get my debt paid off.? I work as an actuary for a small benefits firm and have been there for almost 4 years with a steady, full time income.

Monthly net income: $ 3,000

Monthly expenses: $ On average my monthly expenses include:
Gas to and from work: $100
Cell Phone: $100
Credit Cards: $700
Food/Misc: $100

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454423
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,050.00 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: $137.97
 
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: Not calculated
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 10Length of status:5y 0m
Credit score: 680-699 (Apr-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 0 Revolving credit balance: $27,023Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: on_angels_wings 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
Personal Loan for Business
Purpose of loan:
This loan will be used for start up business making rosaries. The money will be used for a computer and advertising.

My financial situation:
I am a good candidate for this loan because I have the ability to make the monthly payments by selling rosaries
and because I have steady income. I am trying to establish good credit with my new start up and show that
I can make payments.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454441
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2007 Debt/Income ratio: 33%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:1y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 7 Occupation: Student - College G...
Now delinquent: 0 Revolving credit balance: $4,255Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sophisticated-rupee 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
loan for relocate
Purpose of loan:
This loan will be used to relocate. I am a graduate student in a university. I will graduate in May with a master's degree and go to another university for a doctoral degree.

My financial situation:
I am a good candidate for this loan because I am expecting a salary raise in June, when I go to the new university. I have no saving right now but with a amost 100% salary raise for the next 5 years I am able to save some money even when after I pay back this loan. I write down my monthly net income as $2000, which is the salary I am expecting. Right now my monthly income is about $1000. This is also a strategy I use to raise my credit score in the long run.

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 0
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.45% Starting borrower rate/APR: 26.45% / 28.78% Starting monthly payment: $486.37
 
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: Dec-1992 Debt/Income ratio: 46%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 15Length of status:8y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 51 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $12,354Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sn0wbunny Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
700-719 (Mar-2010)
680-699 (Mar-2008)
 
Principal balance: $1,874.83 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Consolidation
Purpose of loan:
This loan will be used to?consolidate credit card debt

My financial situation:
I am a good candidate for this loan because...I have a long work history and prosper payments are directly debited from my account
Monthly net income: $
5000.00
Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 75.00
??Car expenses: $ 650.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $?900??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454453
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $904.31
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.40%  
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: Apr-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:0y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 25 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 14    
Screen name: encouraging-wealth5 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
A new start after divorce
Purpose of loan:
This loan will be used to?purchase a house.

My financial situation: Recovering after a divorce.
I am a good candidate for this loan because?I have a stable income and very few expenses. The 2 yrs leading up to my divorce put a hurting on my credit. We settled with all credit card companies so I have no credit cards to my name. For the past 6 mo I have rented a condo on the beach for $900/mo. My lease is up in June and want to get back into a house instead for paying someone else rent. The house in question sold for $200,000 in '05 and is now in need of repair and with the market crash is going for $25,000. I agree it is amazing that banks unload these for so little but they have so many of them. I have also been paying child support for my daughter of 350/mo but that is ending this month. Between the rent I am currently paying and child support I will have an additional $1250/mo that today I do not. The house will not last and hope that this can be funded in the next couple days. Thank you for your consideration.

Monthly net income: $4,000

Monthly expenses: $300
??Housing: $900
??Insurance: $166/mo
??Car expenses: $
??Utilities: $40
??Phone, cable, internet: $75
??Food, entertainment: $400
??Clothing, household expenses $
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454455
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $108.57
 
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: Feb-1990 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:8y 1m
Credit score: 620-639 (Apr-2010) Total credit lines: 11 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $40,059Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: cash-flower Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 15 ( 100% ) 620-639 (Latest)
Principal borrowed: $12,000.00< mo. late: 0 ( 0% )  
680-699 (Sep-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
Multi-use from solid candidate!
Purpose of loan:? Multi-purpose:? I've experienced a 7% pay cut and furlough since September 1, 2009 and need assistance with?costs that are not part of normal?monthly expenses?such as vehicle repairs (brakes, tires).??I also am seeking assistance toward the extra costs for my daughter's upcoming graduation costs and preparation for college - laptop, books.???

My financial situation:
I am a good candidate for this loan because I?am never late on a payment and am very conscientious, believing integrity to be a strong characteristic.? I receive my paycheck on the first of the month and pay all bills immediately.? I am?49 years old, a single mom (no child?support).? I've been with my current employer for?8 years and previously?was with a company for 19 years.? I?have received one loan from?Prosper in the past and made all payments on time if not early.? My daughter does volunteer work, but also babysits to earn money?to cover her vehicle gas and personal expenses.

Monthly?net income: $4,399

Monthly expenses: $
??Housing: $ 1,355
??Insurance: $?190 (car insurance for 2 vehicles)
??Car expenses: $120 (gas)
??Utilities: $ 184
??Phone, cable, internet: $?350 (includes house phone, cable, cell phone for daughter, mother and myself)
??Food, entertainment: $800 (mainly grocery store)
??Clothing, household expenses $ 150
??Credit cards and other loans: $?650
??Other expenses: $ 500 ($200 toward daughter's tuition, $110 parking at work, prescriptions, co-pays, remainder daugher's sports and school?related costs, the unexpected)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 17.04% - 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: Oct-1995 Debt/Income ratio: 22%
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 2Length of status:5y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 65 Occupation: Scientist
Now delinquent: 6 Revolving credit balance: $9,442Stated income:$25,000-$49,999
Amount delinquent: $6,750 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 62    
Screen name: caring-contract Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a new car
Purpose of loan:
This loan will be used to put a down payment for a new car.

My financial situation:
I am a good candidate for this loan because I have an stable job with an excellent monthly income. I will make timely monthly payments. I used to have excellent credit.?A few years ago, I got very sick and lost my job, then my financial?world got turned upside down. Alot of the remarks?that now?is still on?my credit are exaggerated. I am working on fixing them.?Now, I'm trying to rebuild my credit slowly, but surely.?

Monthly net income: $3,526

Monthly expenses: $935?
??Housing: $400?
??Insurance: $100?
??Car expenses: $0
??Utilities: $50
??Phone, cable, internet: $35
??Food, entertainment: $150
??Clothing, household expenses $0
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454485
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 14.04% - 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-1993 Debt/Income ratio: 6%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:0y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 29 Occupation: Analyst
Now delinquent: 1 Revolving credit balance: $1,296Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 105%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: EnergyAnalyst Borrower's state: SouthCarolina 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
Moving and need to fix car
Purpose of loan:
I went through a divorce and bankrupcty back in 2002 and 2004 (discharged). I managed to pull my credit score up from 525 to 670 but when I applied for a loan through my credit union last week, I was denied.?

I was laid off in January of 2010. Even?while receiving?$351 unemployment benefits, I still paid my bills on time.

I've had to move Charlotte, NC to start a new job on April 12, 2010. Fortunately my best friend lives in Charlotte and has offered to let me stay with her and commute to my job which is in Concord, NC (20 mins away). The job is going great but unfortunately I was not able to get relocation assistance from my new employer (it's an employer's market right now). I now need to hire professional movers to bring the rest of my belongings to Charlotte as no family or friend are available to help me. My lease is up on April 30th and?am unable to take any time off work yet.?I've received 2 quotes of $998 (United Van Lines)?and $1035 (2 Men & a Truck) so far (I'm supposed to get another?from Mayflower on Monday 4/19/10).?

I also need to make some repairs to?my vehicle that was damaged a few weeks ago on my way to the interview (I was hit by a "flying" blown out tractor trailor tire). After my $500 deductible my insurance company only gave me $300 towards?what is a?$1500 repair job.

My financial situation
I will be earning $6,400 more per year at my new job as?an Energy Analyst than I did at my previous position. I will also be a permanent employee instead of a contractor as I am now. My only debts are my student loan, car loan, furniture loan (just sent off final payment) and I have one credit card that I keep open for emergencies.

Monthly net income: $ 2785.10

Monthly expenses: $
??Housing: $0.00?(I will live with my best friend)?
??Insurance: $?95.62??
Car expenses: $?385?
??Utilities: $ 0.00?(I will live with my best friend)?
??Phone, cable, internet: $??0.00?(I will live with my best friend)?
??Food, entertainment: $?75.00?(I will live with my best friend)?
????Clothing, household expenses $
??Credit cards and other loans: $ 430
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454489
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $108.52
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.90%  
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-1995 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Not employed
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:4y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 8Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $2,752 
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: hope-oak Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off credit cards

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

Monthly net income: $ 500

Monthly expenses: $
??Housing: $ 200
??Insurance: $40
??Car expenses: $ 40
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 100
??Other expenses: $ 120
undefined 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,400.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.93% Starting monthly payment: $63.33
 
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: Sep-1988 Debt/Income ratio: 17%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 7Length of status:26y 4m
Credit score: 640-659 (Apr-2010) Total credit lines: 62 Occupation: Postal Service
Now delinquent: 4 Revolving credit balance: $15,870Stated income:$50,000-$74,999
Amount delinquent: $50,376 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 79    
Screen name: mnman1 Borrower's state: Minnesota Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
640-659 (Feb-2010)
660-679 (Jul-2009)
640-659 (Sep-2008)
620-639 (Jun-2008)
 
Principal balance: $533.85 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Paying off higher interest loan
Purpose of loan:
This loan will be used to? pay off higher interest debt

My financial situation:
I am a good candidate for this loan because? I have not had any late payments on any installment debt.....the delinquencies are mortgage/divorce related and part of my past

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 100
??Car expenses: $ 256
??Utilities: $
??Phone, cable, internet: $ 60
??Food, entertainment: $100
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454501
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1980 Debt/Income ratio: 15%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 3 / 3Length of status:2y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 23 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $177,204Stated income:$50,000-$74,999
Amount delinquent: $56,262 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 23    
Screen name: responsive-asset8 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
Adopting a Child
Purpose of loan:
This loan will be used to?adopt a child. I really want to be a mother, parent, and help a poor child in an orphanage.

My financial situation:
I am a good candidate for this loan because I have a great steady job. I have zero debt besides my home mortgage and car payment.

Monthly net income: $ 5,500

Monthly expenses: $ 3350
??Housing: $ 2,500
??Insurance: $
??Car expenses: $ 325
??Utilities: $ 150
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454509
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.04% Starting borrower rate/APR: 12.04% / 14.17% Starting monthly payment: $299.10
 
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: Mar-1998 Debt/Income ratio: 27%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:4y 9m
Credit score: 720-739 (Apr-2010) Total credit lines: 16 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $13,491Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: kaspernkubby Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
760-779 (Aug-2008)
 
Principal balance: $1,263.99 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Tired of high-interest - Help!
Purpose of loan: pay off high-interest, high-balance credit card.

We got into financial trouble when my husband hurt his back and was on worker's compensation for 2-1/2 years at 75% of his salary. His work cancelled our free health insurance, and that cost us $450 a month. Our rental unit went empty for three months. My job initiated a wage freeze, and our worker's comp. case was settled for less than we were counting on. Our attorney took all of his fees from what was supposed to be our lump sum disbursement. We couldn't pay off the car or the cards. But, things are looking up. My husband is back at work, we are again getting our free medical coverage. We qualified for the Obama loan adjustment, and our monthly mortgage has dropped nearly $700. I?ll be getting a raise this summer, and my husband's settlement is trickling in. I?m making more than the minimum payment on all our cards. Bills are caught up. Our car will be paid off in two months. We?have had good tenants for little over a year.??

I know I'm offering low return on your investment, but?you WILL be paid back every penny.?I've?been?to?the depths of financial hell over the past few years and managed to claw my way back out. I don't give up.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $46.40
 
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-1982 Debt/Income ratio: Not calculated
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:2y 6m
Credit score: 740-759 (Mar-2010) Total credit lines: 23 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $45,933Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fuel-king 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
LAST SEMESTER OF MASTER'S PROGRAM
Purpose of loan:
GREAT NEWS PROSPER BIDDERS!!! MY WIFE'S PARENTS WERE ABLE TO GIVE US ALL THE MONEY MY WIFE NEEDS FOR SCHOOL EXCEPT FOR $1500. AS YOU CAN SEE BY MY FINANCIAL HISTORY, WE ARE MORE THAN CAPABLE OF PAYING, PLEASE HELP US FULFILL THIS GOAL!!!
This loan will be used to help my wife finish her last semester of the Family Nurse Practitioner Program at Washington State University. My wife is an honor student and graduate summa cum laude from the Bachelors of Nursing program. She will graduate with honors from the FNP program as well in the fall.
Due to the number of clinical hours she must complete, she cannot work much outside of school. My income is more than capable of paying our monthly expenses. I have worked in the same industry for 28 years and my position with the company that I work for is very secure. If you have any questions about our income or finances, please don't hesitate to ask.
We would certainly appreciate your help!! We are the parents of 4 children, 2 college age boys, a daughter in junior high, and a daughter in kindergarten.


My financial situation:
I am a good candidate for this loan because I have been extremely responsible with?my credit history and score. We pay all of our bills on time, have never been deliquent on ANY payments. Prosper did not include the additional incomes we receive, so we are more than capable of making a payment to Prosper. We thank you in advance for believing in us!!

GROSS MONTHLY INCOME: $5000

EXPENSES:
Housing? $1200
Groceries $800 ( I going high due to the number of kids at home)
Utilities:?$150
Cable/Internet/Phones: $150
Car: $150 (we own our cars and my company pays for all car expenses)
Entertainment: $200
Medical Expenses: $100
Credit Card Pymts: $300-$500

Possible Prosper Payment: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 21.43% Starting borrower rate/APR: 22.43% / 24.70% Starting monthly payment: $192.07
 
Auction yield range: 14.04% - 21.43% Estimated loss impact: 15.66%  
Lender servicing fee: 1.00% Estimated return: 5.77%  
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: Dec-2001 Debt/Income ratio: 52%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:4y 6m
Credit score: 620-639 (Apr-2010) Total credit lines: 15 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $16,970Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: cala 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: 26 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
620-639 (Jan-2008)
 
Principal balance: $1,693.20 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? paying off my credit cards

My financial situation:
I am a good candidate for this loan because? I am careful to my every payment

Monthly net income: $ 20,000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454521
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.43% Starting monthly payment: $51.29
 
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: Oct-1994 Debt/Income ratio: 9%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:1y 9m
Credit score: 740-759 (Apr-2010) Total credit lines: 28 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $1,947Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 40%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jmskmt59 Borrower's state: NorthCarolina Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
680-699 (Oct-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Need to cover the gap
Purpose of loan:
I need the loan to tide me over until my partner's paychecks start.? He's been unemployed for 8 months, but just started a new job.? Not a nanosecond too soon, either, as we have exhausted our savings.? Unfortunately, I jacked our checking account by forgetting to make a deposit but thinking I'd made it, so now we've got bills and living expenses with not enough cash to meet them.? Once his checks start coming in, in a couple of weeks, we'll be back to normal (though I need this loan to straighten out the mess I made with our bank account and sync up the cash flow).

My financial situation:
I had a larger loan through prosper before, which I paid.? I have a good credit score (which I'd like to keep!) and a low debt load (I think, altogether, I have maybe $1500 in debt).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $301.86
 
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: May-2002 Debt/Income ratio: 33%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 13Length of status:8y 4m
Credit score: 680-699 (Apr-2010) Total credit lines: 34 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $5,728Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ecmguy 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 / 2 On-time: 24 ( 100% ) 680-699 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
600-619 (Aug-2009)
620-639 (Jul-2009)
620-639 (Apr-2009)
540-559 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Medical Expense
Purpose of loan:
This loan will be used to pay down a medical bill.

My financial situation:
I have a solid track record in paying my debt obligations on time. I am a business professional working as an IT Business Consultant for a firm in Houston, Texas. I have been gainfully employed with the same company since 2002. My credit score is much lower than it would otherwise be if not for a difficult decision to file for bankruptcy 8 years ago. I ventured out on my own to start a business funded with personal capital and once things turned south made the tough choice towards Chapter 7 filing. Since then my credit history has been impeccable and I have the financial ability to repay the loan I've requested.

Thanks in advance for your consideration.

Monthly net income: $ 4,150

Monthly expenses: $ 3,160
??Housing: $ 920
??Insurance: $ 90
??Car expenses: $ 75
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1,025
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454543
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $180.86
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.40%  
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: Apr-1991 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: 10 / 9Length of status:1y 3m
Credit score: 620-639 (Apr-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 3 Revolving credit balance: $4,234Stated income:$25,000-$49,999
Amount delinquent: $214 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: vpe Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,050.00< mo. late: 0 ( 0% )  
640-659 (Jul-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
Consolidation Loan
Hello, I was laid-off from Mercedes Benz in Vance, AL on 01/09/2009. I need this loan to consolidate some bills into one payment. I am a self-employed welder now and do welding and fabrication for the public. I would be very grateful to any of you who are willing to help me. I have already had one loan here in 2006 and paid it back in full as promised!?? Thank You Very Much!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $159.04
 
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: May-1993 Debt/Income ratio: 18%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:27y 4m
Credit score: 720-739 (Apr-2010) Total credit lines: 38 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $9,518Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: dann 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 58 ( 94% ) 720-739 (Latest)
Principal borrowed: $4,700.00< mo. late: 4 ( 6% )  
580-599 (Jan-2008)
620-639 (Dec-2006)
 
Principal balance: $529.81 1+ mo. late: 0 ( 0% )
Total payments billed: 62  
Description
DEBT CONSIDATION AND WEDDING
Purpose of loan:
?HSBC of $1000 at 24% and Target Visa of $909 at 26%.
My financial situation:
I am a good candidate for this loan because?I am paying not only on time for a house I own instead of rent, but I am paying on nthe principle which allows me flexibility to sell it sometime during 2010 so I can move?in 2011?if required to by the Coast Guard. I am at currrent market value for my 2007 home, have far less than the average American ?with two credit cards with limits/balances less than $2000 TOTAL on purpose.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $361.72
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.90%  
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: Mar-1986 Debt/Income ratio: 43%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 14Length of status:3y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 49 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $2,385Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: john08 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: 6 ( 100% ) 740-759 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
780-799 (Aug-2009)
 
Principal balance: $3,414.80 1+ mo. late: 0 ( 0% )
Total payments billed: 6  
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 am very responsible and have never been late on payments. I currently have a loan through prosper and will be paying it off along with other debt so I can have one montly payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454569
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
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: Mar-2000 Debt/Income ratio: 21%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:1y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 18 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $11,906Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dime-whomper 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
one payment a month instead of many
Hello, I am looking for a loan to consolidate my credit cards into one easy monthly payment. I have no problem paying my monthly payments right now, but i am not really getting ahead. The purpose of this loan would be to eliminate all my debt in one easy payment a month. My credit report might be a little lower than it should be, but its from my debt ratio, not for late or missed payments. This is why i believe i am a good candidate, even though my credit score is low. As of now, I am with a great company that is very stable in this economy.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454573
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1985 Debt/Income ratio: 11%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:1y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 36 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $244Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 18    
Screen name: established-commerce8 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
debt consolidation
Purpose of loan:
This loan will be used to? debt consolidation

My financial situation:
I am a good candidate for this loan because? i want to consolidate some bills to have 1 payment. i am willing to have my payments drafted out of my checking account.

Monthly net income: $ 14000.00

Monthly expenses: $
??Housing: $ 337.00
??Insurance: $
??Car expenses: $
??Utilities: $ 50.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454585
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $356.90
 
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-1995 Debt/Income ratio: 23%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 9Length of status:2y 6m
Credit score: 760-779 (Apr-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 0 Revolving credit balance: $10,922Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: newest-treasure-quest 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/moving loan
Purpose of loan:
This loan will be used to?
Pay off a high interest personal loan taken out when I moved to Chicago.
My financial situation:I pay my bills every month on-time and closely stick to a budget.
I am a good candidate for this loan because?I believe in paying back in full what I owe. I want to reduce my debt and credit cards so they don't exist and this would go a long way toward completing that goal.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454593
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $22,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $959.41
 
Auction yield range: 17.04% - 29.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-2004 Debt/Income ratio: 196%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 6Length of status:1y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 16 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $34,079Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: first-class-credit329 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off car on my credit card
Purpose of loan:
This loan will be used to?pay off a car, which was originally financed under my credit card

My financial situation: In March of 2009, I purchased a car from a private company and charged it on my credit card for $30,000 (I had a 35,000 credit limit). Since I have been paying it off every month, trying to send as much as I can I brought the balance down to a little bit under $23,000. It just scares me to have such a high balance floating on my credit card, especially with the variable interest. I am also a student, entering optometry school next year, therefore, it is impacting on my credit to take out too many loans since I need it to be available for school loans.
I am a good candidate for this loan because? I want to pay off this debt off fast by paying the maximum amount possible every month. This is a bit tougher to do on my credit card because the interest is variable. If this loan is funded with a good interest rate, I think my goal will be easier and quicker to achieve.

Monthly net income: $800 plus I receive a lot help from family

Monthly expenses: $430, the rest of my expenses are covered by family
??Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $80
??Food, entertainment: $200
??Clothing, household expenses $
??Credit cards and other loans: $150
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 8.04% - 34.00% Estimated loss impact: 9.33%  
Lender servicing fee: 1.00% Estimated return: 24.67%  
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: Sep-1999 Debt/Income ratio: 31%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 3Length of status:1y 1m
Credit score: 760-779 (Apr-2010) Total credit lines: 4 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,825Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 26%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: penny-entrepreneur2 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
Replenish account
Purpose of loan:
This loan will be used to? fund my account to allow me to continue to make low risk transactions that bring in a steady income stream.?

My financial situation:
I am a good candidate for this loan because?I had previously used the money I saved for the down payment on my house to fund this account. Once I bought the house, my account balance no longer allowed me to make the trades I want to. My strategy is safe enough for me to fund my trading account with my house down payment, and not worry about losing money.

As you can see in my listing, I have good credit and make my payments on time. My credit cards are capped at a low rate and will be paid off by the end of the year. I plan on repaying this loan significantly before 3 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454599
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.49% Starting borrower rate/APR: 8.49% / 8.83% Starting monthly payment: $173.60
 
Auction yield range: 3.04% - 7.49% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.99%  
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-1999 Debt/Income ratio: 30%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:3y 6m
Credit score: 840-859 (Apr-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,297Stated 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: jubilant-auction5 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
Driveway for House
Purpose of loan:
This purpose of this loan is to put in a new driveway at my house. The price includes demolition of the existing driveway and the laying of a new driveway with stained edging 18 inches out all the way around. The driveway is a little over 1,000 square feet. We bought the house when there was snow on the ground so we did not see the condition of the driveway. When the snow melted we saw that the previous owners pulled a fast one on us. We have had the house for a few years now and the driveway has become a eyesore and it is time to put a new one in.

My financial situation:
I am a good candidate for this loan because I am a federal employee with a consistent paycheck. I have always paid my bills on time and thus have a great credit score. I would not take out a loan that I could not afford. I am able to afford this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454601
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $108.57
 
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: Dec-1998 Debt/Income ratio: 19%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 5Length of status:4y 9m
Credit score: 600-619 (Apr-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,590Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 15    
Screen name: kully123 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
560-579 (Sep-2008)
 
Principal balance: $605.53 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Paying off my loan and credit cards
Purpose of loan:
Is to pay off my credit cards and pay my loan off from Prosper.

My financial situation:
I am a good candidate for this loan because I have been a massage therapist for over 8 years and with the current company for almost 5. I love what I do especially when it helps others. I am a single mom just trying to do what I can for my son. I'm trying not to make 6 separate payments with high interest rates and consolidate so I make one payment? I will be able to pay off this loan when I get my taxes back next February 2011. I have been with prosper for a year and a half and have excellent payback history. That's why they are allowing me to take out a second loan.
Monthly net income: $ 1,800-$2,200? plus $378 every other week for child support

Monthly expenses: $ 2368.00
??Housing: $ 740 monthly rent
??Insurance: $ 82.00 car insurance monthly
??Car expenses: $ 357.00 monthly car payment
??Utilities: $ 150.00 mo.
??Phone, cable, internet: $ 75.00 mo.
??Food, entertainment: $ 150.00 mo. food mostly
??Clothing, household expenses $ 50.00 mo.
??Credit cards and other loans: $ 150.00 mo
??Other expenses: $ 475.? daycare for my son per month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,795.00 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: $443.09
 
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-1997 Debt/Income ratio: 20%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 9Length of status:0y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 32 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $2,543Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: afsmith Borrower's state: Maryland Borrower's group: Fix your credit, then get a loan.
Credit and homeownership information was obtained 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% ) 660-679 (Latest)
Principal borrowed: $4,500.00< mo. late: 0 ( 0% )  
640-659 (May-2008)
660-679 (Apr-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 5  
Description
Money to finance website creation
Purpose of loan:
I am a web designer who currently owns and maintains 50+ niche websites.? I am planning the creation of another website that will earn additional income.? I have years of experience in web design and SEO optimization and I know how to earn an income online.

My financial situation:
I am a great candidate for this loan because I have a well-paying day job as a web developer for a reputable tech company.? Also, I earn $1000 per month from my portfolio of websites.?

I can easily repay this loan.? I hold much importance in my credit rating and I take my financial obligations very seriously.

Also note the fact that I have successfully repaid a Prosper loan already.

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 100

Total Monthly Expenses: $2,850
Time of Employment

? I have worked with my current company for 3 months but I just left another company where I worked for 3 years.? I left for a significant salary increase.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454605
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 33.00% Starting borrower rate/APR: 34.00% / 36.44% Starting monthly payment: $111.68
 
Auction yield range: 11.04% - 33.00% Estimated loss impact: 10.84%  
Lender servicing fee: 1.00% Estimated return: 22.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: Not calculated
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 3Length of status:1y 1m
Credit score: 680-699 (Apr-2010) Total credit lines: 22 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $49,177Stated 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: wampum-tranquility 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
Auto Repair
Purpose of loan:
This loan will help me do repairs to my 2004 Ford F-150. I would like to develop a pay history with Prosper, to show the investors my on time payments.

My financial situation:
Excellent Payment History. I have never been late on anything. The reason for the high Revolving Debt. I have a Bank of America loan with a balance of $38K, the loan is a fixed rate and term. Also, a divorce that I went through, didn't go so well for me.

Monthly net income: $ 3,000-$4,000

Monthly expenses: $
Housing: $ 520
Insurance: $ 65
Car expenses: $ 0 Balance. I made my last payment of $375 on April 1st 2010. Term was 66 months never been late.
Utilities: $ I live with my girlfriend she pays this
Phone, cable, internet: $ 200
Food, entertainment: $ I live with my girlfriend she pays this
Clothing, household expenses $ 0
Credit cards and other loans: $ 1,735 (Includes Bank of America loan of $855 per month.)
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454609
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 14.04% - 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: Oct-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 6 / 5Length of status:19y 11m
Credit score: 640-659 (Apr-2010) Total credit lines: 33 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $12,170Stated 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: truth-oath Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
trying to buy business property
Purpose of loan:
This loan will be used to? i want to use this avenue?versus customary banks. trying to build creditworthiness with prosper.
My financial situation:
I am a good candidate for this loan because? i always pay my debts on time...????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? Monthly net income: $ roughly 1000 to 3000 depending on business

Monthly expenses: $
??Housing: $ part of business -3000 per month for business and rent
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $ 1000 per month for electricity .no water due to well.no sewer due to septic. cell phones cost 50 a month
??Phone, cable, internet: $ part of store expense
??Food, entertainment: $ 200 -store pays for most
??Clothing, household expenses $ 200 for a family of five.
??Credit cards and other loans: $ roughly 12000 for startup cost
??Other expenses: $ 200 for baseball
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454613
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
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: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 4 / 3Length of status:7y 4m
Credit score: 620-639 (Apr-2010) Total credit lines: 10 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $3,357Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: UltimateMemorabilia Borrower's state: Michigan Borrower's group: Small Business &amp; Self Employed
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 34 ( 97% ) 620-639 (Latest)
Principal borrowed: $4,000.00< mo. late: 1 ( 3% )  
620-639 (Nov-2007)
600-619 (Apr-2007)
600-619 (Mar-2007)
 
Principal balance: $169.49 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Inventory for a Video Store
Need funding to stock a Used Movie / Video Game Store in Grand Rapids, Mi.? Business has been open for 6 months and going strong, with average sales of $4000 per month. With a little cash influx, i can purchase more of the heavy selling items and increase the monthly sales by an estimated 30%. Have already had a loan through prosper, and paid it off with 0 late payments and 0 defaults. Please consider lending to help a American company who employs 2 employees and am looking to hire a couple more, which helps stimulate the economy. Thank you for your time, James
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454617
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1985 Debt/Income ratio: 84%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:7y 6m
Credit score: 780-799 (Apr-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 0 Revolving credit balance: $22,046Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: encouraging-exchange0 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 card debts
Purpose of loan:
This loan will be used to cancel my credit cards debts.

My financial situation:
I am a good candidate for this loan because as stated above I will use this loan to get ride of my credit cards debts. I would like to have?just 1 affordable monthly payment and have more financial freedom. I have a? stable job and just need a little help to accomplish my goal of being debt-free.? I am looking for low rates.Thanks in advance...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454623
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1990 Debt/Income ratio: 31%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 6Length of status:6y 8m
Credit score: 720-739 (Apr-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $9,075Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: mobulls Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 100% ) 720-739 (Latest)
Principal borrowed: $15,000.00< mo. late: 0 ( 0% )  
700-719 (May-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Payoff High Interest Loan
Purpose of loan: I borrowed the money (conventional loan)?to build a brand new kennel facility, the interest rate is outrageous! If I can finance $15,000.00 through Prosper?I have the rest of the funds to pay off the?current high interest loan.

My financial situation:
I have a show kennel of French and Englsih Bulldogs,?I sell show prospect puppies, price depends on champions. I have a very good job subcontracting with the DMH and currently (6 years now) provide inhome?care for a child with mutiple disabilities, child resides with me as my own.This allows me to work at home and care for the kennel.
Monthly net income: $4500.00

Monthly expenses: $
??Housing: $?300.00
??Insurance: $ 87.00
??Car expenses: ?.00
??Utilities: $ 220.00
??Phone, cable, internet: $ 90.00
??Food, entertainment: $?200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 400.00
??Other expenses: $480.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454635
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $556.64
 
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: Oct-1992 Debt/Income ratio: 73%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 16Length of status:1y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 30 Occupation: Other
Now delinquent: 0 Revolving credit balance: $12,849Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: deal-heaven2 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
"Completing the Puzzle"
Purpose of loan:
This loan will be used to?pay for a summer class for my oldest son and help with his?fall classes.??But the main reason?for the loan is to?consolidate all?the credit cards and have them paid off in 3 years.? After completing school myself I recently?acheived my dream job with the salary I desired.? Although my husband and I make great money and a wonderful living its time to take control and be debt free.? My final puzzle piece and personal goal?is to be?debt free in 3 or less years!? I have taken complete control of the debt in my family and want it gone.? Please help me!?

My financial situation:
I am a good candidate for this loan because? I always pay my bills on time.? Our family may have a lot of debt but as you will see I always make payments on time.? ?

Monthly net income: $ 3300.00 (only mine)

Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ included in house
??Car expenses: $595.00
??Utilities: $
??Phone, cable, internet: $ 150.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 517.00 monthly
??Other expenses: $ 2000.00 college
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1984 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 22 / 21Length of status:8y 6m
Credit score: 700-719 (Apr-2010) Total credit lines: 38 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $154,429Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cjay23va 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
Credit Rate Reduction
Purpose of loan:
This loan will be used to eliminate the high rate that credit institutions are charging due to the slow economy. Because my business is based in Virginia, the military has a strong presence here and the economy is still very strong. This loan will help consolidate my debt which will free up additional money that can be used to fund other business opportunities. I have started to utilize my personal training background to keep kids in our community active and would like to try to expand on that business for additional income. This will insure a quick payoof of the loan request.?

My financial situation:
I am a good candidate for this loan because I have a solid business that I have been running for over 8 years as well as trying to build additional revenue through new business opportunities. I have not missed or even been late on any payment to a creditor over the last 10 years. I have been married for over 17 years and my wife helps contribute to the families financial situation. She has been employed at her current place of work for over 10 years.

Monthly net income: $3500.00

Monthly expenses: $
??Housing: $ 1500.00
??Insurance: $ Wife Pays
??Car expenses: $ 250.00
??Utilities: $?200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 250.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454647
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $249.57
 
Auction yield range: 14.04% - 16.00% Estimated loss impact: 14.70%  
Lender servicing fee: 1.00% Estimated return: 1.30%  
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: Jan-1995 Debt/Income ratio: 28%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 8Length of status:5y 5m
Credit score: 660-679 (Apr-2010) Total credit lines: 16 Occupation: Other
Now delinquent: 0 Revolving credit balance: $15,812Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Punchbuggy Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
660-679 (Oct-2007)
 
Principal balance: $1,136.48 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Consolidation Loan
Purpose of loan:
(explain what you will be using this loan for)??? Consolidation Loan

My financial situation:
(explain why you are a good candidate for paying back this loan)??
Will pay off car loan and High interest credit card/Loan Payments.

Monthly net income: $ 2900

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 160
??Car expenses: $
??Utilities: $ including in housing
??Phone, cable, internet: $ 80
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ medical/ dental? $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454649
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $190.95
 
Auction yield range: 17.04% - 21.00% Estimated loss impact: 26.19%  
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: Sep-1999 Debt/Income ratio: 45%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 10Length of status:9y 0m
Credit score: 620-639 (Apr-2010) Total credit lines: 19 Occupation: Sales - Commission
Now delinquent: 2 Revolving credit balance: $12,322Stated income:$25,000-$49,999
Amount delinquent: $180 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: DaLender Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 96% ) 620-639 (Latest)
Principal borrowed: $10,000.00< mo. late: 1 ( 4% )  
600-619 (Dec-2007)
 
Principal balance: $3,093.82 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
Paying off my Credit Cards
Purpose of loan:
Taking this money and paying off all my wifes and my credit card debt.?

My financial situation:
I just got married in September and after the wedding we have a large amount of credit card debt that is bringing us down. I would like to stick it to the card companies and get these high intrest debts paid off as soon as possible. I have been at my job for 6 years and plan to be here for another 6. I love what I do and make good money for the area. Just need a little help to get going in the right direction.

Monthly net income: $ 3000
plus another?2500 for my wife

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 130
??Car expenses: $ 0
??Utilities: $ 140
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $ 0
We currently have another prosper loan and have never missed a payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454655
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 28.32% Starting monthly payment: $282.03
 
Auction yield range: 17.04% - 25.00% Estimated loss impact: 19.44%  
Lender servicing fee: 1.00% Estimated return: 5.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 7 / 4Length of status:5y 3m
Credit score: 720-739 (Mar-2010) Total credit lines: 11 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $396Stated 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: 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% )  
720-739 (Feb-2010)
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 454661
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $814.25
 
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: Oct-1995 Debt/Income ratio: 47%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 23 / 20Length of status:1y 9m
Credit score: 600-619 (Apr-2010) Total credit lines: 41 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $21,930Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: generosity-bandit 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: 16 ( 100% ) 600-619 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
620-639 (Jan-2010)
600-619 (Sep-2009)
600-619 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 16  
Description
Pay off high interest credit cards
Purpose of loan:
This loan will be used to pay off high inteterst credit cards.

My financial situation:
I am a good candidate for this loan because I work hard to take care of my family.? I work full time and just graduated with a dual Bachelors in Management and Business Administration.??Due the to cost of school I have some high interest credit cards that I would like to pay off before going back to school for my Master's program.?
Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 882
??Insurance: $ 114
??Car expenses: $ 550
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $?250
??Clothing, household expenses $ 100
??Credit cards and other loans: $?600
??Other expenses: $ 125
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1989 Debt/Income ratio: 26%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 1Length of status:12y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 22 Occupation: Teacher
Now delinquent: 2 Revolving credit balance: $7,152Stated income:$75,000-$99,999
Amount delinquent: $10,373 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: Bookworm100 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt that I accrued a few years while I underwent medical treatment. Fortunately, I have recovered completely and am enjoying a successful professional career as a full-time high school teacher for 11 years now. I work hard daily as a teacher, hoping to give back to my community by making a difference in the lives of my students. This loan I am requesting will be especially helpful in my attempt to consolidate high interest credit cards and pay them off. This loan will be extremely helpful in allowing me to begin my new school year in September with greater financial peace of mind knowing that I have consolidated my debt and can focus 100% on my teaching duties. I have good credit and have been a very responsible borrower for 20 years since graduating from college. On the report the $10,000 delinquency is an error. That account has been closed and I'm not liable for that debt. I have submitted a dispute with Experian which is currently investigating the matter. Thank you for your consideration. I hope we can benefit each other.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454671
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.57% Starting monthly payment: $56.56
 
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-1992 Debt/Income ratio: 43%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:4y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 25 Occupation: Bus Driver
Now delinquent: 0 Revolving credit balance: $10,550Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: sparkling-balance469 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off miscellaneous bills
Purpose of loan:
This loan will be used to?
pay off some miscellaneous.
My financial situation:
I am a good candidate for this loan because?
I work full-time, have a good job with good benefits.? I was working a full-time and a part-time job.? My part-time job ended.? I will start receiving some additional income in November 2010 and I do have the ability to repay the loan.
Monthly?net income: $
2700.00
Monthly expenses: $
??Housing: $ 500
??Insurance: $ 100
??Car expenses: $ 141
??Utilities: $ 200
??Phone, cable, internet: $ 100
??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 454673
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.76% Starting borrower rate/APR: 11.76% / 12.11% Starting monthly payment: $595.80
 
Auction yield range: 3.04% - 10.76% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.25%  
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: Feb-2004 Debt/Income ratio: 19%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:4y 4m
Credit score: 800-819 (Apr-2010) Total credit lines: 13 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $3,869Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: micloans 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
Repair the roof of my house
Purpose of loan:
This loan will be used to? Repair the roof of my house. I live in an older home and its time to replace the roof. I already had a few?roofers come to evaluate the roof and I"ve been told its absolutely the time for a repair. I probably should have repaired it last year, but I just had my first child a few months back and needed some time to evaluate how much my expenses were going to increase. Now that its been 6 mths, I feel I've been able to adjust and can no longer put the roof repair off.

My financial situation:
I am a good candidate for this loan because??I have excellent credit and take pride in keeping my credit score?high. I pay all my debt down and have never missed a payment or defaulted on any loan.?I currently have just over $20,000 in my savings account, but I'd like to keep that as my emergency fund.?I pay off my credit card every month and have not paid a cent of interest?to a credit card company in over three years. The balance that is shown?will be paid at the end of the month. It is high because I track all my financial activity?using computer software and charging everything makes it much easier to keep records of. I realize there are other options as far as getting a loan, but I would prefer to pay off other hard working people instead of a large bank. Between my wife and I we make about $135,000 a year?and currently save about?19% of our income (401k, 457 plan,?pention, and savings).?I have other money in investments that I could move around or access if there was ever an emergency and somehow the $20,000 couldn't cover my expenses. I currently am registered as a lender in Prosper and would like to ensure anyone reading this that this is a safe investment.

Thank you for your consideration
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454675
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1988 Debt/Income ratio: 27%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 6Length of status:9y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 24 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $5,173Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: majestic-note Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?consolidate some lingering debt I have and have one payment?each month.

My financial situation:
I am a good candidate for this loan because?I am very consistent and stable?in paying my?rent, car payment and bills on-time. I've been at my apartment for 9 years and my job for 10 years. I also just finished paying off a $10,000.00 loan in half the time required.

Monthly net income: $3,168.00

Monthly expenses: $
??Housing: $750.00
??Insurance: $115.00
??Car expenses: $446.00
??Utilities: $-0-
??Phone, cable, internet: $60.00
??Food, entertainment: $150.00?
??Clothing, household expenses $70.00
??Credit cards and other loans: $100.00
??Other expenses: $50.00 (Christian Ministry donation monthly)?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1983 Debt/Income ratio: 33%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:11y 1m
Credit score: 860-879 (Apr-2010) Total credit lines: 39 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $979Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: terrific-treasure7 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
Funding for Gestational Carrier
Purpose of loan:
This loan will be used to provide a sibling for our son.? My wife recently found out that she cannot have any further pregnancies due to postpartum cardiomyopathy.? We?have a friend who volunteered to be?a gestational carrier to give us one more child to complete our family.

My financial situation:
I am a good candidate for this loan because I have a steady income fro the past 11+ years at IBM.? My credit scores are above 800.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454683
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2001 Debt/Income ratio: 36%
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:7y 10m
Credit score: 700-719 (Apr-2010) Total credit lines: 19 Occupation: Civil Service
Now delinquent: 1 Revolving credit balance: $51,363Stated income:$50,000-$74,999
Amount delinquent: $9,781 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: platinum-juniper8 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
office supplies and software update
Purpose of loan:
This loan will be used to? purchase and upgrade our computers and software and also go towards rental space ????

My financial situation:
I am a good candidate for this loan because? I have a long history of on time payments

Monthly net income: $ 3000-4000

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454685
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $191.03
 
Auction yield range: 17.04% - 29.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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: 3%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 0 / 0Length of status:1y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 3 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $860 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: heart722 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 taxes.
Purpose of loan:
This loan will be used to pay taxes I owe with the IRS.

My financial situation:
I am a good candidate for this loan because I have been?diligent in paying off any debts I owed because eventually I would like to buy a condo.? I can afford to make monthly payments and I want to get out of debt as soon as possible so that I can go ahead with my plans.? I don't want to give my money away renting anymore.

Monthly net income: $ 4000

Monthly expenses: $ 3135
??Housing: $ 1700
??Insurance: $
??Car expenses: $ 245
??Utilities: $ 120
??Phone, cable, internet: $ 170
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454695
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1997 Debt/Income ratio: 18%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:3y 10m
Credit score: 660-679 (Apr-2010) Total credit lines: 30 Occupation: Teacher
Now delinquent: 1 Revolving credit balance: $575Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 41    
Screen name: hawksrock01 Borrower's state: Illinois Borrower's group: Not Active
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 82% ) 660-679 (Latest)
Principal borrowed: $3,000.00< mo. late: 6 ( 18% )  
680-699 (Oct-2009)
600-619 (Jun-2007)
 
Principal balance: $389.84 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Bringing it all together...
Purpose of loan:
This loan will be used to consolidate a series of smaller balances and the rest of what is owed on my car into one convenient monthly payment.

My financial situation:
I am a good candidate for this loan because I have a stable income and have completed the loan process successfully through Prosper before.

Monthly net income: $ 2530

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 65
??Car expenses: $ 310
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 225
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 325
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454701
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1994 Debt/Income ratio: 16%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 13Length of status:17y 11m
Credit score: 720-739 (Apr-2010) Total credit lines: 30 Occupation: Postal Service
Now delinquent: 0 Revolving credit balance: $8,400Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: johnmor6 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: 30 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
660-679 (Jul-2009)
600-619 (Jul-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 30  
Description
PAYING OFF MY CREDIT CARDS
Purpose of THE LOAN
TO PAY OFF CREDIT CARD DEBT
My financial situation:
I am a good candidate for this loan because??I HAVE ALREADY PAID OFF ONE LOAN FROM PROSPER. I HAVE A RECESSION PROOF JOB WORKING FOR THE US POSTAL SERVICE. I HAVE ALREADY REDUCED MY DEBT SIGNIFICANTLY.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454703
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1994 Debt/Income ratio: 36%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 16Length of status:1y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 0 Revolving credit balance: $27,573Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: deal-cougar7 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 property taxes
Purpose of loan:
This loan will be used to? pay off property taxes

My financial situation:
I am a good candidate for this loan because? I have not missed a payment and my credit is good.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454707
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $806.68
 
Auction yield range: 8.04% - 9.00% Estimated loss impact: 6.38%  
Lender servicing fee: 1.00% Estimated return: 2.62%  
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-1972 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: 18 / 17Length of status:18y 11m
Credit score: 800-819 (Apr-2010) Total credit lines: 39 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $245,833Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dedication-bopbop-a-loobop 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 rid of high interest cards
Purpose of loan:
This loan will be used to?
Pay off 2 high interest rate credit cards.
My financial situation:
I am a good candidate for this loan because?
I can demonstrate the ability to repay this debt through banking statements and my current contractual arrangements which will yield enough money to accerlate the payment of the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454721
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $723.45
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.40%  
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: Aug-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 10 / 7Length of status:1y 3m
Credit score: 680-699 (Apr-2010) Total credit lines: 18 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $4,181Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: resolute-kindness8 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
Working Capital For Furniture Store
Purpose of loan:
This loan will be used to purchase inventory for our furniture store.

My financial situation:
I am a good candidate for this loan because we make 100-150K monthly sales and need to extend our offerings of furniture.

Monthly net income: $?3000

Monthly expenses: $ 1900
??Housing: $ 900
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 20
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454725
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.99% Starting borrower rate/APR: 12.99% / 15.13% Starting monthly payment: $842.23
 
Auction yield range: 8.04% - 11.99% Estimated loss impact: 8.76%  
Lender servicing fee: 1.00% Estimated return: 3.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1988 Debt/Income ratio: 19%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:2y 0m
Credit score: 780-799 (Apr-2010) Total credit lines: 30 Occupation: Other
Now delinquent: 0 Revolving credit balance: $55,387Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fulfilling-community Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate Loan
Purpose of loan:
This loan will be used to?consolidate loans.

My financial situation:
I am a good candidate for this loan because I'm responsible and I want to consolidate all loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454731
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.51% Starting borrower rate/APR: 10.51% / 10.86% Starting monthly payment: $292.56
 
Auction yield range: 3.04% - 9.51% Estimated loss impact: 1.51%  
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: Mar-2001 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:3y 3m
Credit score: 820-839 (Apr-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,706Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: intellect Borrower's state: Massachusetts Borrower's group: Credit Card Consolidation
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 42 ( 100% ) 820-839 (Latest)
Principal borrowed: $27,000.00< mo. late: 0 ( 0% )  
760-779 (Aug-2009)
700-719 (Feb-2008)
760-779 (Aug-2006)
660-679 (Jun-2006)
 
Principal balance: $14,583.69 1+ mo. late: 0 ( 0% )
Total payments billed: 42  
Description
New Furnace and heating
My 30-year old furnace failed last winter, leaving me with no hot water and heating. We've managed to patch it up so we have hot water now, but the heating doesn't work. I plan to use the proceeds of this loan to install a new, energy efficient heating system to heat the house and keep the family warm in the winter. This will also involve redoing some of the pipework and replacing several of the radiators.

I am a good candidate for this loan because I am a financially responsible person who pays the bills (such as my first Prosper loan, mortgage, etc). When I make a commitment, I stick with it.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454743
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
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: 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-1992 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 5Length of status:0y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 16 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $1,374Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: stable-point2 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
Need a new HVAC
Purpose of loan:
This loan will be used to?
I just moved My 83 year old ?Father into my home, I need to update my home to be accesible for him and I also need a new HVAC system to keep him comfortable.
My financial situation:
I am a good candidate for this loan because?In January I accepted a new job the will pay at least $22,000 over last year.(I made $38,000) I am hard working and dependable. Feel free to contact me with any questions.
Monthly net income: $
4900 Monthly expenses: $
??Housing: $ 400
??Insurance: $ 300
??Car expenses: $ 440
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1999 Debt/Income ratio: 29%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 11Length of status:11y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 28 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $4,288Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fixxittmann Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 95% ) 640-659 (Latest)
Principal borrowed: $5,350.00< mo. late: 1 ( 5% )  
600-619 (Jun-2008)
 
Principal balance: $2,523.59 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Pay off a loan
Purpose of loan:
I would like to pay off a loan to Citifinancial

My financial situation:
I am management at my place of employment with a $70,000 income.? I get yearly?bonuses any where from $5,000-$20,000...but with economic conditions it is more realistic to be?$5,000-$8,000.? I also carry the license under which my employer does business (Mechanical Contractor) which ensures a stable job with security.? I have also this last month paid off a tractor loan so I have less outgoing by $350.00.?? I have a current Prosper loan in good standing and my score has raised 40 points since that loan.? No delinguents, judgements etc.??

Monthly net income: $ 3,850.00 from job,? $3,300.00 adoption subsidy,
5,000-20,000 yearly bonus

Monthly expenses: $
??Housing: $ 2,000
??Insurance:?w/ house pmt
??Car expenses: $ none
??Utilities: $?200
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 675
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454755
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $407.12
 
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-2003 Debt/Income ratio: 20%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:7y 5m
Credit score: 640-659 (Apr-2010) Total credit lines: 12 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $9,559Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: payout-chairman 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
Consolidating all my debts
Purpose of loan:
This loan will be used to consolidate separate accounts into one, the reason why my credit score has been affected is because I"ve been deployed and in training lately and sometimes computer access is hard to get, so by getting all my payments down to one i will be able to keep up.

My financial situation:
I am a good candidate for this loan because I am in the military and have three years left of committed service, but will be more since I am planning on making a career out of it, I understand my credit score is low, the reason for that is not having the funds to pay bills, is mainly the time to find a computer and paying all bills online, I have a steady paycheck that will not go down, I will make monthly payments i have the means to do it.

Monthly net income: $
$4500 for my paycheck and $2300 for my wife
Monthly expenses: $
??Housing: $( I live on goverment housing)
??Insurance: $ 110
??Car expenses: $ 50(live, work on a military base, I don't get around too much)
??Utilities: $0(i live?in goverment housing)
??Phone, cable, internet: $ 235
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 550
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454757
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $240.18
 
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: Oct-1998 Debt/Income ratio: 31%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:9y 7m
Credit score: 800-819 (Apr-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 0 Revolving credit balance: $210Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: obedient-benjamins Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my husband's credit card
Purpose of loan:
This loan will be used to?
Pay off my husband's credit card in which the interest rate was raised to 29.99%
My financial situation:
I am a good candidate for this loan because?I have always paid my bills on time. Having good credit is very important to me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1984 Debt/Income ratio: 16%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 7Length of status:4y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 1 Revolving credit balance: $2,765Stated income:$50,000-$74,999
Amount delinquent: $400 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 15    
Screen name: needmoney678 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
540-559 (Jul-2008)
580-599 (Jun-2008)
560-579 (May-2008)
540-559 (Feb-2008)
 
Principal balance: $1,133.13 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
pay off bills
Purpose of loan:
(explain what you will be using this loan for) Need alittle help to catch up with bills.


My financial situation: Am currently trying to get my finances back on track using various means, including credit counseling to help me better understand and manage my finances.? Just need alittle more help.? I do not like my picture taken--avoid cameras like the plague, so none to submit.? Also, its hard to admit that after all these years I still have much to learn about handling my finances, hence I don't feel comfortable asking friends and family for endorsements.? Thank you to all who have bid on my loan previously, I truly appreciate it, please continue to do so.
(explain why you are a good candidate for paying back this loan)

Monthly net income: $ $2600.00

Monthly expenses: $ 1870.00
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $?450
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 120
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 125
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454773
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 6Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 9 / 8Length of status:6y 2m
Credit score: 700-719 (Apr-2010) Total credit lines: 29 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,301Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: best-order-infusion 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
Pool and Complete 3rd Floor
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 454775
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 13 / 9Length of status:0y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 28 Occupation: Student - College G...
Now delinquent: 0 Revolving credit balance: $3,006Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 31%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: calm-return286 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
Single Mom in College
Purpose of loan:
This loan will be used to? pay for expenses related to school and the cost of living not covered by unemployment payments, child support and my part-time job. This includes books for school, tuition payments and medical bills. I am currently pursuing my Masters in Nursing at Case Western Reserve University and will graduate in 2012.

My financial situation:
I am a good candidate for this loan because? I am a 26 year old single mom balancing motherhood (I have a 3 year old boy), school and?a part-time job. Fortunately, I am able to live with my father and not pay rent, utilities, etc. but there are times where expenses pop up that aren't covered by my fixed income (including recent medical bills from a dental procedure I had to have done).?This loan would be a God-send and give me a bit of breathing room.

Monthly net income: $ 1500

Monthly expenses: $ 380
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 80 (gas)
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 11%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 14Length of status:25y 3m
Credit score: 600-619 (Apr-2010) Total credit lines: 44 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $4,242Stated income:$100,000+
Amount delinquent: $16,497 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: stjresources Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
600-619 (May-2008)
600-619 (Apr-2008)
 
Principal balance: $463.78 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Winter bills unusually high
Purpose of loan:

This loan will be used to?pay for to catch up on my mortgage and gas and electric payments. I tried to save money by switching from Baltimore Gas & Electric to another provider. The new provider did not have budget billing, as did BG&E. I ended up with a one month Gas and Electric bill totaling 1184.00. I changed back to BGE, but the process took 2 months. My next bill was $700.00. I used my income tax return to pay down the high BGE bill or have my service terminated. Much too cold this winter for that. The income tax was supposed to be used to catch up on the mortgage; I was and am running one month behind. None of the new programs help you until you are 3 months behind.? Plus, my house has lost 55,000 in equity?so I cannot refinance - yet.? It seemed all of my credit cards went berserk over the winter months, probably trying to beat the new credit card laws. Everything seems to have calmed down now.?? The 2500 along with my pay will enable me to?catch up on both the BGE and the mortgage and stay current.??On a more positive note, I have a previous loan with Prosper, which was 2500.00. It has?been paid on time each month and is now down [email protected].??

Monthly net income: $ 6,000.

Monthly expenses: $
??Housing: $ 2077
??Insurance: $ 52.00 (Life)
??Car expenses: $?145 (insurance) 80.(Gas)
??Utilities: $?563.0(budget billing)
??Phone, cable, internet: $ 139.?+214.+171.
??Food, entertainment: $ 100.00.
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 130.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 30.76% Starting borrower rate/APR: 31.76% / 34.44% Starting monthly payment: $65.13
 
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: Apr-1999 Debt/Income ratio: 12%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:4y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 10 Occupation: Food Service
Now delinquent: 1 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: fascinating-note1 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
Car repairs
Purpose of loan:
This loan will be used to repair an existing car that I have which is completely paid for.?

My financial situation:
I am a good candidate for this loan because I have steady employment and an ability to pay the loan back quickly.? ?

Monthly net income: $1800

Monthly expenses: $
??Housing: $200 (lot rent, home is paid for)??
??Insurance: $ 60?
??Car expenses: $0
??Utilities: $ 200
Phone, cable, internet: $ 60
??Food, entertainment: $400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 135
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1983 Debt/Income ratio: 40%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:0y 3m
Credit score: 780-799 (Apr-2010) Total credit lines: 10 Occupation: Student - College G...
Now delinquent: 0 Revolving credit balance: $2,342Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: newest-bill-candy 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
Investing in my Future - MBA - CWRU
The Purpose of this loan:

To help me invest in my future while I attend the #14 ranked best MBA program according to Bussiness Week magazine.

My Background:

I'm currently enrolled in Case Western Reserves University MBA program - Weatherhead School of Management. I'm concentrating on investment banking, and investment management while attending Weatherhead's school of management I also currently work at large regional bank in Cleveland Ohio.

Thank you for your time, and I hope to hear from you soon.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $356.90
 
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: Nov-1980 Debt/Income ratio: 29%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 11Length of status:5y 3m
Credit score: 760-779 (Apr-2010) Total credit lines: 30 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $32,009Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: charming-gain7 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
meandyou
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 454853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 26.19% Starting monthly payment: $46.45
 
Auction yield range: 8.04% - 22.00% Estimated loss impact: 7.02%  
Lender servicing fee: 1.00% Estimated return: 14.98%  
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: Jun-1999 Debt/Income ratio: 38%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 12Length of status:8y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 22 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $12,343Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 12    
Screen name: credit-gala Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate High Interest bills.
Let me start by saying I'm not high risk! I'm pretty sure my score is like this for one reason, and that is almost all my credit is maxed out, don't let that bother you, I'm trying to get rid of all my credit by the end of 2011, and my husband and I have come up with a plan to do so. This loan would help accelerate the plan by paying off some high intereste low balance debts right now, and using some of the money saved from the condensed payment to pay down on principal of other bills.?

????????Now you'll notice these nagging late payments in my personal records. 12 Prosper lists. To explain these late payments, I once worked with a local credit counseling service. To say they were bad is an understatement. I'd pay them a monthly payment, and they were supposed to pay my bills. I had thought it was a consolidation service, but in fact it was more like a middle man paying my bills. This company paid everything on the 16th, and the problem was some bills were due before this. Sometimes the company didn't pay the bill until later the next month. They were a horrible company, and it tarnished my records. I dumped them, but the damage was done, and the companies that were paid late refused to take the marks off my credit report. The most important thing is those are my only late payments, I'm very strict about paying on time! This is a guaranteed money maker on your end! This deal helps the both of us out, it helps me pay down principal quicker, and helps you earn a high interest rate!

Monthly Net Income: $3552
Monthly Expenses: $2936


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454859
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1992 Debt/Income ratio: 43%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:26y 6m
Credit score: 680-699 (Apr-2010) Total credit lines: 35 Occupation: Nurse (LPN)
Now delinquent: 2 Revolving credit balance: $5,922Stated income:$25,000-$49,999
Amount delinquent: $1,500 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: momentous-social 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 taxes 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: $ 2200

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 330
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.38% Starting borrower rate/APR: 28.38% / 30.73% Starting monthly payment: $207.85
 
Auction yield range: 11.04% - 27.38% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.70%  
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: Jan-1994 Debt/Income ratio: 24%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 5Length of status:1y 2m
Credit score: 700-719 (Apr-2010) Total credit lines: 31 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $62,986Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: justice-mountain2 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory for commonthreads.com
Purpose of loan:
This loan will be used to purchase shirt inventory for commonthreads.com.

My financial situation:
I am a good candidate for this loan because I have excellent credit and owned a successful web development company in the past.

Monthly net income: $4,000 ($7,000 including my wife's salary)

Monthly expenses: $2090
??Housing: $980
??Insurance: $120
??Car expenses: $150
??Utilities: $200
??Phone, cable, internet: $40
??Food, entertainment: $400
??Clothing, household expenses $0
??Credit cards and other loans: $200
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,100.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.76% Starting monthly payment: $49.76
 
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-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 5 / 5Length of status:1y 0m
Credit score: 680-699 (Apr-2010) Total credit lines: 17 Occupation: Sales - Retail
Now delinquent: 3 Revolving credit balance: $665Stated income:$25,000-$49,999
Amount delinquent: $3,133 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: greenback-satellite 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 2nd vehicle
Purpose of loan:
Add 2nd vehicle for mattress business, used?uhaul box trucks sale for?2,000 , and saved 1,000 for it, can use 1000 if i can?borrow from prosper community?

My financial situation:
I am a good candidate for this loan, ?because I have been in the ?Mattress industry for 7 years, and opened?our ?store up to ?1 year ago, and doing well even in this economy by specializing in 499 queen beds..? I can afford the payment, ? it is very affordable.
Here are my financials..
revenue????????? ?15,000 month
rent?util????????? ?? 2,100 month
mattress cost?? 7500? month
expenses??????????650??
sales tax????????? 1,163

my income????????3600? month..
rent??????????????????? 750
utilities???????????????200
credit card bills???350

thanks for your time..




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1982 Debt/Income ratio: 39%
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 11Length of status:3y 2m
Credit score: 640-659 (Apr-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,995Stated 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: oldtimernow65 Borrower's state: Georgia Borrower's group: Small Business &amp; Self Employed
Credit and homeownership information was obtained 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% ) 640-659 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
640-659 (Sep-2009)
620-639 (Jan-2008)
600-619 (Dec-2007)
640-659 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
pay off some high int loan & cc
Purpose of loan:
This loan will be used to? pay off some high interest loans and credit cards?

My financial situation:
I am a good candidate for this loan because I believe in paying all my bills first and trying to survive in this ecomony the
best I can?

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 806.00
??Insurance: $ 300
??Car expenses: $ 100
??Utilities: $ 400
??Phone, cable, internet: $ 180
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ 499
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.0%  
   
 
Starting lender yield: 20.93% Starting borrower rate/APR: 21.93% / 24.19% Starting monthly payment: $190.77
 
Auction yield range: 8.04% - 20.93% Estimated loss impact: 7.49%  
Lender servicing fee: 1.00% Estimated return: 13.44%  
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: Jun-1993 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: 12 / 10Length of status:1y 0m
Credit score: 780-799 (Apr-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,635Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: paddle2 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
Deal Financing - Short Term
Purpose of loan:
This loan will be used to provide back-up emergency funds, if needed.

The purpose of the company is to invest in real estate with a focus on single-family and small multi-family (2-6 units) residential property.

My financial situation:
The strategy is to buy and re-sell property primarily to real estate investors on a wholesale basis as quick-turn transactions. The primary target customer is other real estate investors who rehab for re-sale, and landlords who rehab to hold for long-term rental, with a focus on CASH buyers as the primary customer to minimize out of pocket financing needs.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $542.59
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.40%  
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: Dec-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 7 / 6Length of status:0y 1m
Credit score: 700-719 (Apr-2010) Total credit lines: 9 Occupation: Doctor
Now delinquent: 0 Revolving credit balance: $2,592Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: trustworthy-principal4 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
PLEASE READ my LOAN DESCRIPTION
Purpose of loan:
This loan will be used to to cover my expenses fees for hospital privileges and my personal expenses I just graduated from my post graduation training in internal medicine and i am planing to start my work as hospitalist-internal medicine doctor after about 2 months(time needs to get the privileges), since i just finished my residency i do not have a enough of cash. If you have any question i will be happy to answer all your concerns.

My financial situation: the monthly income 15000 is based on an average hospitalist monthly income because right now i do not have any income just little bit of saving it will not cover all my expenses for the up coming 2 months.
I am a good candidate for this loan because even though i do not have any debts or loans( medical school loan or car loan) and i have about 20.000.00 thousands dollars credit line on my credit cards which i have about 2 thousands dollars in balance, i do not want to use my credit card limit because of high interest rate on cash advanced around 25 to 29 %. i have good credit score 726 last time i checked and as physician average income i will be able to pay my loan on time if not more as soon as i will start working.

Monthly net income: $

Monthly expenses: $
??Housing: $700 renting
??Insurance: $ 350 medical insurance and 50 for the car
??Car expenses: $0
??Utilities: $150
??Phone, cable, internet: $300
??Food, entertainment: $400
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $4000-5000 licenses fees applications fees
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $454.24
 
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: Dec-1982 Debt/Income ratio: 14%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:10y 5m
Credit score: 700-719 (Apr-2010) Total credit lines: 26 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $70,009Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 73%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: skier1 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 700-719 (Latest)
Principal borrowed: $12,000.00< mo. late: 0 ( 0% )  
700-719 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
debt consolidation
i am looking to borrow $14,000 to pay off other high interest debt.? This will be my second loan, and i was always on time with my payments. I actually paid the first loan off early. I am making more money now, and i feel i may pay it off faster than the 3 year term.? The payment fits well into my budget, as my income will continue to increase over the next number of years.? I live and work in new york, and i have been working in the financial industry since 1999.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 22.93% Starting borrower rate/APR: 23.93% / 26.22% Starting monthly payment: $587.94
 
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: Oct-1998 Debt/Income ratio: 24%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 16Length of status:7y 8m
Credit score: 780-799 (Apr-2010) Total credit lines: 35 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $59,134Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: tender-pound5 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
Consolodating debt
Purpose of loan:
This loan will be used to consolodate a few credit cards (from home improvement companies) that have rising interest rates after a fixed period.
My financial situation:
I am a good candidate for this loan because I recently completed my MBA and got a promotion which also includes an attractive EOY bonus.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $82.06
 
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-2005 Debt/Income ratio: 38%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:4y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 15 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $4,001Stated 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: car1587 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,750.00< mo. late: 0 ( 0% )  
600-619 (Sep-2007)
 
Principal balance: $556.78 1+ mo. late: 0 ( 0% )
Total payments billed: 30  
Description
Paying for family funeral cost
My grandfather recently passed away and I need to help my parents pay for the funeral costs. I know I do not have the best credit in the world, but I have a stable job where I know I can repay this money as I have with my previous Prosper loan. I have worked in my job for almost 5 years and still live at home, so I do not have too many expenses. My credit is a bit low because I have about 4 school loans open, but I do not need to begin repayment until I finish school which will be in about a year and a half. There is also a credit card which I needed to use for some funeral costs. I will be paying $50 a month for that card. Please, I need your help.Thank you.

Monthly net income: $ 1400
Monthly expenses: $ 850
Housing: $0
Insurance: $200
Car expenses: $300
Utilities: $100
Phone, cable, internet: $60
Food, entertainment: $40
Clothing, household expenses $0
Credit cards and other loans: $150
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
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: 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-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 2 / 2Length of status:0y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 7 Occupation: Student - College S...
Now delinquent: 0 Revolving credit balance: $477Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: joyous-community6 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
Invest in the Future
Purpose of loan:
This loan will be used to pay for college expenses including books and tuition

My financial situation: My father recently lost his job, so he can no longer provide as much financial support as he was. I am currently self-employed andhave just gotten hired for part time work
I am a good candidate for this loan because I am responsible and need this loan to go attend school.

Monthly net income: 1000$

Monthly expenses: $
??Housing: 800$
??Insurance: 0$
??Car expenses: 0$
??Utilities: 50$
??Phone, cable, internet: 0$
??Food, entertainment: 100$
??Clothing, household expenses 0$
??Credit cards and other loans: 120$
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1992 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:20y 1m
Credit score: 700-719 (Apr-2010) Total credit lines: 19 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $41,934Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: hope-recorder 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
Retirement Loan Bridge
Purpose of loan:
About three years ago, it was necessary to go heavily into debt in order to make foundation repairs on our house in Oakland, CA.? We funded that work in several ways: by taking out a loan against my retirement fund (about $30,000 at 3.5% interest), by getting a second on our house, and by taking out money against our credit cards.? The repairs are now done, and the loan against my retirement fund is nearly paid back.? About $4000 remains on that loan, and I am making about $700 per month in payments on it.? What I would like to do now is pay back the remaining $4000, and take out a new loan against my retirement fund for another $35,000 (only one loan at a time is allowed on my retirement fund).? This new loan will enable me to pay back this $4000 loan, and pay off several high interest credit cards that we can only now just make interest payments on.? This process will not increase my debt load, and since I am already making lifestyle adjustments to make my retirement fund payments, my net income will not increase either.? I will simply dedicate any monthly funds that are freed up in this process to increasing the amount of my retirement fund repayments.

My financial situation:
I am a good candidate for this loan because I am a 20+ year Federal employee with a good job, a secure future, and I own my own home.

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 100
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1500
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1987 Debt/Income ratio: 28%
Basic (1-10): 10 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 13Length of status:2y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,212Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 17%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: green-power-bandit 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
Getting rid of Debt
Purpose of loan:
This loan will be used to?get?caught up on things that i?need to.Mother passed away Feb. 1st after a long illness with no insurance.?

My financial situation:
I am a good candidate for this loan because? I work a 64 hour a week job and just started a cleaning service with brother that is finally starting to take off. I have never been a day late on my mortgage but did get very tight after funeral.

Monthly net income: $ 2200.

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 386.
??Utilities: $ 75.
??Phone, cable, internet: $ 150.
??Food, entertainment: $?
??Clothing, household expenses $
??Credit cards and other loans: $ 500.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $183.28
 
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: Mar-2003 Debt/Income ratio: 22%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 12Length of status:2y 0m
Credit score: 660-679 (Apr-2010) Total credit lines: 23 Occupation: Analyst
Now delinquent: 1 Revolving credit balance: $6,015Stated income:$50,000-$74,999
Amount delinquent: $2,291 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: blooming-dough5 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate credit cards

My financial situation:
I am a good candidate for this loan because?I am a responsible person. I work in the financial field and I understand the impacts of my financial obligations.?In the last 6 months I had a member of my family that was ill. I was helping to pay for some of the expenses and?I need to pay off my credit cards.?

Monthly net income: $5300 after tax. This also includes my spouces income?

Monthly expenses: $
??Housing: $ 2300
??Insurance: $ 110
??Car expenses: $711
??Utilities: $ 130
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454979
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 14.04% - 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: Oct-1977 Debt/Income ratio: 37%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 8Length of status:13y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,002Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: note-breeze3 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?
This loan will be used to combine several credit card payments into one payment.
My financial situation:
I am a good candidate for this loan because?
I am a?good candidate for this loan because I believe in making prompt payments.? I have held the same job (under 2 different employers) for 34 years and have lived at my address for 10 years.?
Monthly net income: $
$1594.76
Monthly expenses: $
??Housing: $
??Insurance: $ 110.00
??Car expenses: $ 50.00
??Utilities: $ 104.00
??Phone, cable, internet: $ 95.00
??Food, entertainment: $?400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454985
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $645.34
 
Auction yield range: 3.04% - 9.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: 22%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:9y 10m
Credit score: 800-819 (Apr-2010) Total credit lines: 27 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $8,617Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: truth-widget 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
Refinance credit to lower % rate
Purpose of loan:
This loan will be used to payoff a credit card debt.

My financial situation:
I am a good candidate for this loan because I have never missed a payment in my life.? I have stable and full time employment.? I am simply wanting to lower the outrageous credit card interest rate I'm currently paying.?
Information in the Description is not verified.