Listing Report:Supplement No. 225 dated Apr 23, 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 415846
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.04% Starting borrower rate/APR: 15.04% / 18.71% Starting monthly payment: $34.68
 
Auction yield range: 14.04% - 14.04% Estimated loss impact: 15.30%  
Lender servicing fee: 1.00% Estimated return: -1.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2005 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:0y 3m
Credit score: 620-639 (Apr-2010) Total credit lines: 6 Occupation: Student - College S...
Now delinquent: 0 Revolving credit balance: $4,699Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jfox95 Borrower's state: Florida Borrower's group: Apple User Group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
(Mar-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 4  
Description
Student needs new computer
I am in need of a new RELIABLE laptop. The one I have is on its last leg. Actually, I got it from my first and only other Prosper loan almost... 5 years ago!

I am currently a senior in college, 23 years old. Just completed my junior year. I am receiving financial aid, which makes up most of my income. But I also have a job on campus and I am working 2 summer jobs, then starting my campus job back up in August.

But I am taking a couple online summer courses, which is the reason I need a new computer. If I thought my current one could make it through the summer, I wouldn't be here and just use money from summer jobs to get a new one.

I will be living at home during the summer, so my food and rent are taken care of.

Summer monthly net income: $500

Current expenses:
Phone: $80/month
Credit card: $120/month
Entertainment: $50/month

total expenses: $250.

As I said, I could wait, but would rather have a new one sooner rather than later and plan to pay this off by end August.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 434480
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $324.46
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1996 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:2y 10m
Credit score: 760-779 (Apr-2010) Total credit lines: 22 Occupation: Teacher
Now delinquent: 1 Revolving credit balance: $6,016Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 27    
Screen name: cash4unow Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 27 ( 100% ) 760-779 (Latest)
Principal borrowed: $17,000.00< mo. late: 0 ( 0% )  
660-679 (Oct-2009)
760-779 (Aug-2008)
660-679 (Jun-2008)
640-659 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
New Metal Roof for my House

You can see from my Prosper payment history on both my previous loans that I have adequate cash flow to pay this loan. We have quote from two roofers to do a 30 yr shingle roof for $11,000 or a 50yr metal roof for $9,500 that includes a $1,500 tax credit. The decision really becomes a no brainer.

It doesnt list me as a homeowner because Prosper didnt find a mortgage. That is because my house is paid off. Also, I have no idea what the 1 current delinquent is?- it says zero balance.

Thanks for looking.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454438
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.45% Starting borrower rate/APR: 26.45% / 28.78% Starting monthly payment: $405.31
 
Auction yield range: 11.04% - 25.45% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1994 Debt/Income ratio: 25%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:8y 1m
Credit score: 740-759 (Apr-2010) Total credit lines: 42 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $12,818Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: tiger025 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
Fixing up a patio addition
Purpose of loan:
This loan will be used to? fix up a patio addition to create additional living space

My financial situation:
I am a good candidate for this loan because?i take pride in paying my?bills on time. I strive to maintain a good credit score while creating credit for the future. I have worked full-time at my place of employment for eight years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 31.36% Starting monthly payment: $146.67
 
Auction yield range: 8.04% - 28.00% Estimated loss impact: 7.67%  
Lender servicing fee: 1.00% Estimated return: 20.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1993 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 4Employment status:Not employed
Enhanced (1-5):3 Current / open credit lines: 8 / 6Length of status:0y 5m
Credit score: 760-779 (Mar-2010) Total credit lines: 12Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $642 
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: gaucho211 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need 2nd truck for Junk Removal Co.
I plan on using this loan to purchase an additional work truck for my junk removal business (like "Got Junk" and "Junk King").? Lately, I have been receiving many more job requests that I can take on.? Now my plan is to register my business as a legitimate company, purchase an additional truck and hire 3-5 employees.?

How I can repay the loan:

1.)????? I already make enough money to make the monthly payments required to repay this loan.? Even after I register the company and I have to start paying taxes, I will be expanding the business and revenues will be increasing (see 2 below) .

2.)????? I have been receiving many more job requests than I have been able to take on.? Once I have an additional truck, I can send a second team of employees to these jobs.? By expanding in such a fashion,?revenues will increase by a large amount.

3.)??? ***Another? factor that increases my ability to repay the loan is the fact that I am going to be receiving a settlement as a result of some injuries I sustained in a car accident on March 14th (the other party was 100% at fault-- see my photos). Soon after the accident I hired a personal injury attorney and began undergoing treatment. My attorney said that I will receive the settlement after treatment is complete, which will be in 10-12 weeks. ***

4.)?? If I encounter any problems?with the company,?I will sell my work truck.? I also have a BA in business economics from a reputable college (University of CA, Santa Barbara), so finding another source of income will not be a problem.


-? My Monthly Expenses:

Rent???????????????????????????????????????????????????????????????????????? ? $725????
Utilities?????????????????????????????????????????????????????????????????????? $100????
Car Insurance???????????????????????????????????????????????????????????? ?$ 78????
Cell Phone???????????????????????????????????????????????????????????????? ?$ ?90????
Food (on average; dining out not included)????????????????????? $600????
Prosper?loan????????????????????????????????????????????????????????????????$150?????

Total????????????????????????????????????????????????????????????????????? ??? $1743?

- I've been averaging $3000/mo in profits?on my own, so making the monthly payments will not be a problem, especially after my company is legitimate and I start expanding and accepting all job requests.

**A side note:???? The loan amount I requested went down for a couple reasons. I was initially looking at a truck for $10,000. When my loan wasn't fully funded I asked my father to lend me part of the money for a new truck. When my second listing wasn't funded I decided to go for an older/cheaper truck (with good mileage).

Thank you for checking out my listing and please don't hesitate to ask any questions!
(see my profile for additional information)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455274
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.5%  
   
 
Starting lender yield: 19.56% Starting borrower rate/APR: 20.56% / 22.80% Starting monthly payment: $187.25
 
Auction yield range: 8.04% - 19.56% Estimated loss impact: 8.96%  
Lender servicing fee: 1.00% Estimated return: 10.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2002 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:0y 0m
Credit score: 760-779 (Apr-2010) Total credit lines: 11 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $480Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: power-rotation 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 Pre-Med Classes
Purpose of loan:This loan will be used to pay tuition fees for my post-baccalaureate pre-med classes starting Fall 2010.? With the help of this generous line of credit, I hope to complete all of my pre-med requirements next school year and apply for admission to medical school to make my childhood dream of becoming a doctor true.? During my college years, I was not able to complete my basic science requirements and pursue my dream career in medicine because of my mother?s untimely passing from cancer.? Finding myself without familial support, I shelved that dream as I finished my degree only to return back to it after a number of years of working on health-related issues in the legal and educational industries.? Your generosity will change the course of my life.My financial situation:I am a good candidate for this loan because I am working part-time as I attend school and do not have any outstanding debt.? Also, I am very financially responsible, which is reflected by my paid off undergraduate student loans and my less than $500 credit card debt.? I am confident that I will pay this loan off in its entirety during my pre-med and medical school education since I plan to work part -time during the school year and full-time during the summer as an academic counselor and private tutor.undefined
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455290
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $327.39
 
Auction yield range: 4.04% - 10.00% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1990 Debt/Income ratio: 55%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 10Length of status:1y 7m
Credit score: 780-799 (Apr-2010) Total credit lines: 32 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $7,758Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 26%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: DDH61 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: 25 ( 100% ) 780-799 (Latest)
Principal borrowed: $14,500.00< mo. late: 0 ( 0% )  
760-779 (Nov-2009)
800-819 (Feb-2008)
800-819 (Jan-2008)
 
Principal balance: $4,790.90 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Consolidate Debt
Purpose of loan:
This loan will be used to? pay off?a high interest?credit card with a balance of $4000.00?and refinance my Prosper loan with a remaining balance of approximately $4800.00. This is my second attempt at consolidation. My first attempt ended at 61% funded.

My financial situation:
I am a good candidate for this loan because?as you can see by my profile, I am very responsible when it comes to paying my bills. I am a lender on Prosper and?have?9 active loans. I am trying to consolidate?to lower my monthly payments.This loan will save me approximately $200.00/mo.Thanks for considering.

Net Income(not including?Wife)- 3600.00/mo.
Monthly Debt:
Housing- 587.00
Truck Note- 573.00?
Camper- 300.00
Utilities/Cable- 225.00
Credit Cards- 300.00
Gas/Grocery- 600.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455308
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $549.84
 
Auction yield range: 17.04% - 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: Aug-1998 Debt/Income ratio: 66%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 15Length of status:2y 7m
Credit score: 700-719 (Apr-2010) Total credit lines: 27 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $19,593Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: balance-fate0 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
Family: Paying off Credit Cards
Purpose of loan:
This loan will be used to consolidate our credit cards to pay them off for good then to continue in?the game.? My husband and I were doing well, however, due to a job change that moved us from?Hawaii to the mainland, we had to short sale our house.? Due to the short sale and move, we racked up quite a bit of credit card debt.? We make enough money, however, the minimum payments have risen?due to the impact of the short sale.? We believe if we can get our cards into one?fixed loan, we can pay it off and?be free.? ?

My financial situation:
We are good candidates for this loan because?we are good people that just became victims of the economy.? We make?payments on time to?all of our billers.? ?

Monthly net income: $ 2200.00

Monthly expenses: $
??Housing: $?0 - Paid by husband
??Insurance: $ 80
??Car expenses: $ 125.00
??Utilities: $ 0- paid by husband
??Phone, cable, internet: $ 109.00
??Food, entertainment: $?200
??Clothing, household expenses $ 0
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
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-2003 Debt/Income ratio: 16%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 20 / 17Length of status:0y 5m
Credit score: 680-699 (Apr-2010) Total credit lines: 36 Occupation: Doctor
Now delinquent: 0 Revolving credit balance: $129,506Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: urbane-rupee Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit cards, pay exam fee
Purpose of loan:
This loan will be used to? pay high interest rate credit cards,

My financial situation:
I am a good candidate for this loan because? I just finished medical specialist training in? and joined practice 4 months ago. I want to clear the credit cards; tired of them; also need urgently to pay for an examination fee due date end of April

Monthly net income: $ 9250

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 300
??Car expenses: $ 550
??Utilities: $?300
??Phone, cable, internet: $ 250
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 700
??Other expenses: $ 600 (day care)

Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1993 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 13Length of status:6y 5m
Credit score: 720-739 (Apr-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 0 Revolving credit balance: $19,330Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: responsive-yield7 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
Seeking loan to help out my Dad
Purpose of loan:
This loan will be used to help out my Dad who lost his job of 30 years and is facing foreclosure on the family home in which I grew up. If my siblings and I can each come up with $10,000 Dad will be able to stay in the house.

My financial situation:
I am a good candidate for this loan because I am simply trying to help out my Dad and keep the house where I have so many fond memories. I am a good man. I am a loving father of 3 and I adore my wife. I am a successful real estate appraiser who built my own company from the ground up. I am a hard worker. My wife is a nurse practitioner and makes more than I do. We can easily afford the monthly payments, but I just don't have this much liquid cash to send him.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $323.42
 
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: Nov-1993 Debt/Income ratio: 39%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 14Length of status:5y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 27 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $16,743Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: jjra23 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: 1 / 1 On-time: 24 ( 100% ) 660-679 (Latest)
Principal borrowed: $15,000.00< mo. late: 0 ( 0% )  
700-719 (Aug-2009)
700-719 (Mar-2008)
680-699 (Feb-2008)
680-699 (Dec-2007)
 
Principal balance: $5,969.99 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Finishing our Basement
Purpose of loan:
This loan will be used to help?us finish our basement and increase the value of our home.?

My financial situation:
I am a good candidate for this loan because I take great pride in being responsible and you won't find a more reliable person.? I have never?been late on any payment that I have ever owed and I will have the prosper loan payment?automatically debited from my account so that I will not miss the payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455374
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.04% Starting borrower rate/APR: 12.04% / 14.17% Starting monthly payment: $498.50
 
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-1989 Debt/Income ratio: 18%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:21y 8m
Credit score: 720-739 (Apr-2010) Total credit lines: 22 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $36,419Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: msterling Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay High Rate Cards Off
Purpose of loan:
This loan will be used to pay down card balance to a feasible rate.?

My financial situation:
I am a good candidate for this loan because I have?good credit and?I understand the importance of good credit.? I have?historically paid all bills on time and have had a solid income stream and work history with over 20 years at the same employer.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455376
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $37.12
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1998 Debt/Income ratio: 24%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 7Length of status:8y 8m
Credit score: 780-799 (Apr-2010) Total credit lines: 31 Occupation: Teacher
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: 0    
Screen name: mrscienceteach Borrower's state: NorthCarolina Borrower's group: Teacherloans.com
Credit and homeownership information was obtained 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: 61 ( 97% ) 780-799 (Latest)
Principal borrowed: $12,050.00< mo. late: 2 ( 3% )  
720-739 (Jan-2008)
700-719 (Apr-2007)
 
Principal balance: $2,080.11 1+ mo. late: 0 ( 0% )
Total payments billed: 63  
Description
Help me upgrade my laptop
I have been a lifelong Mac user, and my current Mac laptop is over 8 years old. It has finally hit its final stage of life and I would like to purchase a new one without the high interest rates of credit cards. I have been a Prosper user for may years and I prefer to get my loan (even a relatively small one) from this community than from a large bank.

I am an excellent candidate for this loan because I am a full-time middle school teacher who supplements his income with several side jobs. I have consistent income and I have been consistent in making my Prosper payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455380
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 15 / 15Length of status:1y 5m
Credit score: 680-699 (Apr-2010) Total credit lines: 44 Occupation: Investor
Now delinquent: 0 Revolving credit balance: $7,782Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: SuperManDave Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 58 ( 100% ) 680-699 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
720-739 (Feb-2010)
640-659 (May-2008)
640-659 (Apr-2008)
660-679 (Jul-2006)
 
Principal balance: $1,785.51 1+ mo. late: 0 ( 0% )
Total payments billed: 58  
Description
Working Capital Wanted
I had to take a lot of money out of my business to pay taxes.? Now, I just need a little boost to get back on my feet.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455382
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $259.57
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1993 Debt/Income ratio: 8%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:1y 7m
Credit score: 760-779 (Apr-2010) Total credit lines: 8 Occupation: Professor
Now delinquent: 0 Revolving credit balance: $10,850Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dogen Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off residual debt accumulated on my credit cards.

My financial situation is excellent. I have an annual income of $75+ K as a professor at a university -- one of the most stable forms of employment known to man.
I am a good candidate for this loan because of my ultra-stable employment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455386
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $111.92
 
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-1987 Debt/Income ratio: 36%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 10Length of status:1y 1m
Credit score: 740-759 (Apr-2010) Total credit lines: 39 Occupation: Other
Now delinquent: 0 Revolving credit balance: $18,583Stated 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: diplomatic-exchange9 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
Pay Off a High Interest Credit Card
Purpose of loan:
This loan will be used to pay off a high-interest rate credit card...

My financial situation:
I am a good candidate for this loan because I am current on all my obligations - a hard and absolute dedicated worker - always looking for ways to save money.?
I was out of work for almost a year (2008) - while out of work, I remained?current on all?obligations.??Though it has taken?me a bit of time?to get back on my feet, which has not been an easy task, but a task?I?held my head high ALWAYS holding?a positive attitude knowing things will change for the better...and they have!? This is the last of debt which I am looking to pay off and be able to start saving money to replenish what was used while I was out of work...

Work History:??My Work History?has always been steady with over six?(6) plus years at each previous employer I worked for.

FYI...In reviewing my?'Borrower's Credit Profile,'?section I noticed the Revolving Credit Balance and?I?did some research because I want to understand the dollar amount and?in doing the research,?I realized it is because of a copule of?factors:? My mother added me to her Credit Cards as an Authorized User as well as my husband added me to his credit?cards...though the cards are not in my possession, they added me so I could speak to Customer Service or take any action which may need to be taken.? The main reason my mother did this was because of my father passing away recently.

Thank you for taking the time to review my information...I am completely confident and honest in telling you?- you will not be sorry for accepting me as your client!

Thank you again for your time...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455392
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.04% Starting borrower rate/APR: 12.04% / 14.17% Starting monthly payment: $265.87
 
Auction yield range: 11.04% - 11.04% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1992 Debt/Income ratio: 47%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 10Length of status:8y 9m
Credit score: 700-719 (Apr-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 0 Revolving credit balance: $14,992Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 12    
Screen name: hope-bridge4 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455410
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1994 Debt/Income ratio: 17%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 12Length of status:3y 1m
Credit score: 740-759 (Apr-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 0 Revolving credit balance: $10,954Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: treasure-trident0 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
JOE'S CONSOLIDATION
Purpose of loan:
This loan will be used to consolidate my high interest rate credit cards.?Due to medical issues last year, I had to use this debt at 17.99% APR.? I am physicaly healthly now, and now I want to be finacially stable.

My financial situation:
I am a good candidate for this loan because I have been employed at my stable job for over three years and have been promoted twice in this time.? I?enjoy my job tremendously.? I have never missed a payment in years wether it is a credit card payment or an automatic deduction from a previous loan.? I am an excellent risk with a very good credit score and a?secure job in underwriting field.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455412
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $74.33
 
Auction yield range: 11.04% - 19.00% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1995 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 8Length of status:12y 5m
Credit score: 660-679 (Apr-2010) Total credit lines: 26 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $12,498Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: debt-pal Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $3,965.58 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Pay off high interest cards, bills
Purpose of loan:
This loan will be used to?pay?off balances on very high interest credit cards?, medical bills

My financial situation:
I am a good candidate for this loan because? I pay my bills. Credit score is not as good as it should be due to high utilization of available credit. Most of this debt comes from medical bills from an auto accident in which my wife Pamela was seriously injured. Monthly net income: $6800

Monthly expenses: $
??Housing: $ 1800
??Insurance:$ 165
??Car expenses: $?300
??Utilities: $?280
??Phone, cable, internet: $ 450
??Food, entertainment: $?500
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 1500
??Other expenses: $ 480
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455416
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,975.00 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: $163.09
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1994 Debt/Income ratio: 8%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:2y 9m
Credit score: 680-699 (Apr-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 2 Revolving credit balance: $8,483Stated income:$50,000-$74,999
Amount delinquent: $359 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: green-sharp-repayment 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
i'd rather pay u, then my CC cmpny
Purpose of loan:
This loan will be used to? Debit consolidation
My financial situation:
This loan is to pay off my Discover credit card.

I am a good candidate for this loan because? I have a great credit history, never have been late on my payments, I have a stable consulting job making $60,000/annually, I own my house with my wife, my wife and I have most of our debt paid off except for one credit card, which i would like to have paid off with a lower rate. The delinquent amount you see is currently in dispute with car repair shop.


HELP ME MAKE YOU MONEY....if the loan is funded I get to save little bit of? money and YOU GET TO MAKE MONEY, instead of my high interest rate charging credit card.

Monthly net income: $ 3800

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 175
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $350/m
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455422
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 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: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1994 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: 7 / 7Length of status:0y 11m
Credit score: 700-719 (Apr-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $21,643Stated 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: wind40 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
Determined Student is Reducing Debt
Purpose of loan:
This loan will be used to? I have credit card debt from starting a business. I want to pay off my debt as quickly as possible. The high interest rates on credit cards are making this process take a long time. I am going to free myself from this debt, I would love to be able to be a Prosper success story!

My financial situation:
I am a good candidate for this loan because? I take repayment very seriously. I was laid off in May 2009 and have?only good pays?on my credit because I pay my bills first, before anything else. I am a full-time student and work 2 jobs in order to meet my obligations. I will do whatever it takes to meet my obligations and reach my goals. (I included the credit cards this loan will pay off below.) My husband & I own our home, but the mortgage is in his name, so I don't show up as a homeowner in Prosper's system.(He owned?this home?before we met, I sold my home & moved in with him after we were married.)

Monthly net income: $ 1500

Monthly expenses: $ 867
??Housing: $ 0
??Insurance: $ 67
??Car expenses: $ 200
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455434
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
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: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1989 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 12Length of status:8y 10m
Credit score: 620-639 (Apr-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $24,312Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jeja2 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: 23 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
620-639 (Apr-2008)
 
Principal balance: $2,057.36 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
paying off credit cards
Purpose of loan:
This loan will be used to pay off some credit cards????
My financial situation:
I am a good candidate for this loan because I have not been late on any payments?

Monthly net income: $ 3700

Monthly expenses: $ 2310
??Housing: $ 525
??Insurance: $ 45
??Car expenses: $?100
??Utilities: $ 180
??Phone, cable, internet: $ 160
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455436
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $269.55
 
Auction yield range: 8.04% - 12.00% Estimated loss impact: 7.26%  
Lender servicing fee: 1.00% Estimated return: 4.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1998 Debt/Income ratio: 27%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 12Length of status:1y 6m
Credit score: 780-799 (Apr-2010) Total credit lines: 20 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $7,352Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: cogent Borrower's state: Missouri Borrower's group: Debt Consolidators
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 100% ) 780-799 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
680-699 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 31  
Description
Father's Medical Bills
History:
Since the summer of last year I have been able to pay down my debt significantly. My father has lived with me since he retired on a medical disability. His health has always been up and down. One weekend in March he couldn't keep any food down, which normally happened about once a month, but the intensity grew to the point where he asked to be taken to the hospital. If you knew my father you would see the severity of the situation as he would never say that unless he was in dire need of attention. As it turns out they had to remove his gallbladder.? Now those medical bills are rolling in and coupled with some debt I have left from my medical bills from replacing my front teeth in 2008. I need to move all of them together to simplify my bills and save some interest. I had to put my medical bill on a credit card that bumped the interest up to 20.99% in February when the credit card bills became active.

Current credit cards:
My min
Payment?? Balance Interest
$100 ????????? $2,800 @20.99%
$110 ????????? $3,700 @20%
$200 ???? ???? $1,500 left on current medical bills, so far. ??????????
Totals
$410 ??? $8,000 ???

Monthly finances:
Income
Mine?$2,000
Dad?$1,000

$915 Mortgage
$200 Phones/DSL
$250 Utilities
$250 Gasoline
$200 Insurance
$350 Food/misc
$100 Meds
$410 CC payments

What is left:?$325 (I will redirect as much as I can to the repayment of the loan)

Synopsis:
This would be my second Prosper loan. The other one I paid off early and never missed a payment!

My total monthly interest payment: $110 and steady
My average interest on all credit cards: 20%??

With your help:
Interest per month:?$70 and falling
Interest: 13%

And I WILL be free in three years!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $21,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $949.96
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 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-1987 Debt/Income ratio: 85%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 6Length of status:1y 7m
Credit score: 660-679 (Apr-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 0 Revolving credit balance: $4,696Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: tazerpup Borrower's state: Montana Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 57 ( 100% ) 660-679 (Latest)
Principal borrowed: $15,500.00< mo. late: 0 ( 0% )  
640-659 (Feb-2010)
660-679 (Jan-2008)
700-719 (Mar-2007)
 
Principal balance: $2,780.21 1+ mo. late: 0 ( 0% )
Total payments billed: 57  
Description
Debt Consolidation/Video Arcade
Purpose of loan:
This loan will be used to?consolidate three credit cards ($4600), my mother is a recent widow and I would like to help her pay her land taxes ($1000), to pay off my active Prosper loan ($2800) and to purchase three arcade games for my business ($12260).

My financial situation:
I am a good candidate for this loan because my husband and I have ample income (personal and business) to make the monthly payments.? I have had two previous Prosper Loans with 59 on time ACH payments with no lates. ?I have had several listing without full funding, but I can't give up for I have had 176 past investors that had faith in my ability and I have not disappointed them.? I do not understand why I am listed as a high risk investment, for I?pay all my monthly obligations.
I?have been operating a small restaurant, tavern and motel for over a year.? This business needed a lot of TLC and inventory/supplies to become a self supporting venture.? Unfortunately, I had to use my personal credit in order to obtain this goal, therefore a drop in my personal credit score.?This business grosses $12,000.00-14,500.00 per month.?I would like to purchase a "PUTT CHAMPIONSHIP" golf game ($5770), a?"TERMINATOR 2" pinball machine ($3145) and a "ARCADE HITS" video game ($3345) for further entertainment for the young and old, and to increase?revenue.?There is not an arcade in this area, and these new machines will provide entertainment for all.? The golf game will be a huge hit for there are many talented golfers in this community, however, they can't golf through the snow.? Currently,?we have no difficulty paying our current monthly payments total $533.00 and the investment into the arcade will increase our revenue to assure that?if this loan is funded, we still will have no problem with the higher?monthly payments.

Monthly net income: $4,800.00?Husband and I?

Monthly expenses: $1,543.00--This is?our total monthly expenses for which we share.?
??Housing: $ 650.00?
??Insurance: $100.00
??Car expenses: $50.00
??Utilities: $ 60.00
??Phone, cable, internet: $50.00
??Food, entertainment: $50.00--We eat at?our own establishment
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $533.00--I pay more than the minimum?
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455446
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2001 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:1y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 16Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $1,430 
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: income-surge 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
Money for school
Purpose of loan:
This loan will be used to pay the remainder of my school fees so I can attend the Florida College of Natural Health. It is me dream to become a Massage Therapist. I want to work in a field where I can help people feel better physically and mentally. I have had pain in my shoulders and traps for years and after receiving a massage I felt better. There was no longer any pain in my shoulders and my posture improved. I strongly believe in the therapeutic help of a massage and I like to help people.

My financial situation:
I am a good candidate for this loan because I am able to make my payments on time.

Monthly net income: $ 1200

Monthly expenses: $
??Housing: $ n/a
??Insurance: $ 118
??Car expenses: $280
??Utilities: $ n/a
??Phone, cable, internet: $ 60
??Food, entertainment: $ n/a
??Clothing, household expenses $ n/a
??Credit cards and other loans: $ 35
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 23.25% Starting monthly payment: $188.38
 
Auction yield range: 11.04% - 20.00% Estimated loss impact: 10.48%  
Lender servicing fee: 1.00% Estimated return: 9.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 17 / 17Length of status:18y 3m
Credit score: 700-719 (Apr-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,533Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: peace-souffle5 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 & rr
Purpose of loan:
This loan will be used to pay off my credits cards?and consolidate all my present debts.? I am paying to much interest to de credit cards companies and if I can pay?all of them at once?I wil have peace of mind.?

My financial situation:
Estable

Monthly net income: $ 3900.00

Monthly expenses:?

??Housing:?
? Insurance: $ 156.00
??Car expenses: $?450
??Utilities: $ 180
??Phone, cable, internet: $ 500.00
??Food, entertainment: $?300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 700
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455458
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2000 Debt/Income ratio: 55%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 4Length of status:0y 4m
Credit score: 740-759 (Apr-2010) Total credit lines: 9 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bill-attraction 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
Consolidate a few small bills
Purpose of loan:
This loan will be used to? consolidate a few small bills
My financial situation:
I am a good candidate for this loan because? I work full time and pay all of my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455460
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,500.00 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: $379.81
 
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: Oct-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 4 / 4Length of status:4y 3m
Credit score: 720-739 (Apr-2010) Total credit lines: 5 Occupation: Investor
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: No  
Delinquencies in last 7y: 0    
Screen name: steady-velocity3 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
Expand My Business
Purpose of loan:
This loan will be used to expand my current very successful business model. Over the last 4 years I have been buying and selling web sites at Flippa.com, each time making a large profit on my investments. I buy web sites with?proven track records?of?stable income, and further monetize them using skills developed over?my 6 years of internet marketing experience, and sell them off to bigger investors for 4-8X the amount I paid for them, after having recouped my initial investment from the web site by increasing it's profits.

This model affords me the ability to pay back my Prosper.com loan in a very timely manner. I will be using profits from the e-business I purchase to pay for the loan, as well as profits from my existing portfolio of web sites that generate a healthy full time income for me presently.

To give an example for those who are interested in knowing more, in January of this year I purchased a gaming web site?that I paid $4,000 for. This web site?was at the time of purchase only earning about $400 per month. 4 months later, I've increased the traffic and revenue by over 10X the amount it was at when I purchased it. This web site now earns $4,000 or more per month, has over 10,000 RSS readers on the blog, and 5,600+ happy email subscribers. Suffice it to say, I know my stuff when it comes to ecommerce!

This loan will allow me to purchase another ebusiness I have my eyes on with loads of potential, that already has an established monthly income of over $700 per month. The money from this web site's profits will go towards paying back the Prosper.com loan.

My financial situation:
I am a good candidate for this loan because I'm financially FIT, I currently am debt free, and earn over $60,000 per year, with?minimal living expenses, and no children (yet!). I am more than qualified to take on this loan, and have a solid plan for paying it back. Thanks to all who help me reach my goals by giving towards this loan!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $519.98
 
Auction yield range: 11.04% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1997 Debt/Income ratio: 21%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:18y 9m
Credit score: 720-739 (Apr-2010) Total credit lines: 27 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $128,545Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bid-orchid6 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
Finish this Beautiful House
Purpose of loan:
Put the final touches on our house before we sell it.? It only needs landscaping (front stairs/rockery/lawn, etc.)?everything else is done and with high end finishes!? We even installed an outdoor gas fireplace, built in bbq area with bar, and a custom fountain.? Willing to send photos of it upon request.

My financial situation:
We have approx 60% equity in our house and previously would have easily?been able to get a Home Equity loan.? However,...the big banks (who all used to be our best friends!) are not giving those loans out anymore.? This is the 4th house we have built and sold, and we have earned very good $$ on each one, but timed it just right so that we didn't have to pay Capital Gains.? This backfires on us in the current economy because if you don't have to report it to the IRS - you can't prove the income to the bank, and get conventional financing.? So, here we are looking to the Prosper Community to "lend" a hand ;-)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.04% Starting borrower rate/APR: 15.04% / 17.21% Starting monthly payment: $69.37
 
Auction yield range: 14.04% - 14.04% Estimated loss impact: 14.60%  
Lender servicing fee: 1.00% Estimated return: -0.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1999 Debt/Income ratio: 22%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 2Length of status:0y 11m
Credit score: 660-679 (Apr-2010) Total credit lines: 23 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: established-economy0 Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
The Lord Is Good
Purpose of loan:
This loan will be used to? real estate

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

Monthly net income: $ 4230

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 90
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 450
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455478
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $237.17
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1986 Debt/Income ratio: 63%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 24 / 22Length of status:19y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 53 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $34,758Stated 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: murphy85 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: 23 ( 88% ) 640-659 (Latest)
Principal borrowed: $15,000.00< mo. late: 3 ( 12% )  
680-699 (Jan-2008)
 
Principal balance: $4,777.87 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
Paying off credit cards
Purpose of loan:
This will be?my 2nd loan with Prosper.? I have proved over the last years that I have been responsible for this loan and never missed a payment.??This loan will be used to pay some lower dollar amount credit cards.?I would certainly like a lower interest rate, but my goal is to begin condensing the payments I have into one or two payments.? First, I will pay off the small loan I needed to take?to pay my taxes and put a new engine in my car!??I am paying?high interest rates, because my debt is high (it is reducing month by month!)!??I believe?with this loan, I could get my debt/income ratio lowered much faster by paying down the debt faster.??With my full-time and part-time job, I earn?about $60000 a year.?My credit score is still?good; but it?will?get?better!?I know I ran into a "bad" patch with some late payments in the December time frame (had some major car issues and was paying my son's rent for a few months waiting for his student loans to click in!).? I am back on track and all is good now so my credit score should start improving,?I have no housing expenses?as I live with my elderly?mom to help?out.?I just need to see some light at the end of the tunnel and I need your help!? My goal is to be totally debt-free within 3 years!?

My financial situation:
I am a good candidate for this loan as I have proven my responsibility to paying off the first loan and because I have a goal to retire within the next 15 years, and I?am on a quest to be debt free within three years!? I am extremely motivated to do this!? And, if?possible, this loan will not be outstanding for 3 years; I would like to?pay it off sooner than later.??????

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 0
??Insurance: $500/year
??Car expenses: $ 375/month in payment; $100/month in gas????
??Utilities: $ 0
??Phone, cable, internet: $ 150/month?
??Food, entertainment: $50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455484
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $866.63
 
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: Jan-2001 Debt/Income ratio: 22%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 12Length of status:4y 6m
Credit score: 720-739 (Apr-2010) Total credit lines: 19 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $24,809Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: hopeful-deal565 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Looking for a better interest rate
Debt consolidation to lower interestI am a mid-30's software developer earning a good salary. My wife and I became parents before we were even adults ourselves, so we were starting out really without any financial advantages. We worked very hard to change that and got into our first house eight years ago. It was an older home and we spent a lot of money and sweat making it our own. We love the results, but a lot of our materials were purchased on credit, and in retrospect we may have been too eager, and too trusting in the sanity of the financial system. During the past year or two interest rates have skyrocketed (as I'm sure we all know) and we're now paying an average of around 25% annual interest on our revolving account balances. We refinanced some of the debt into our mortgage, but couldn't get it all into the loan based on our appraisal (after the fact, we found out the appraiser had appraised our three-bedroom home as a two-bedroom, but whole process had been so painful we honestly weren't that eager to repeat it). At the end of the day, I'd simply rather see my interest payments going to individual investors instead of banks. I feel like if I can get a reasonable interest rate with a visible end to my indebtedness, and somebody else can get a better rate of return than they would on some bank-based investment, it's win-win, and I'll sleep much more soundly in the knowledge that I'm not just an indentured servant to the financial industry. I assume my D rating is due to my high level of debt. But I've been up-front about this, haven't I? That's why I'm here. Believe that my only purpose here is getting out of debt, and my loan funds will be going directly to my other creditors. I pay my bills on time (very rarely a payment may slip through the cracks, say once a year) and have worked extremely hard to build a life for my family. But it's very disheartening to see my work swallowed up by the financial equivalent of a black hole. Let's help each other. Thanks for reading!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455496
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.38% Starting borrower rate/APR: 29.38% / 31.75% Starting monthly payment: $421.13
 
Auction yield range: 11.04% - 28.38% Estimated loss impact: 10.71%  
Lender servicing fee: 1.00% Estimated return: 17.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1998 Debt/Income ratio: 26%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 17Length of status:15y 6m
Credit score: 680-699 (Apr-2010) Total credit lines: 30 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $51,732Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ore-amusement7 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
Credit Card Consolidation
Purpose of loan:
This loan will be used to? Pay off a few credit cards and bring balances down on others

My financial situation:
I am a good candidate for this loan because? I am continuing to pay down my credit cards and my income is good and consistent.

Monthly net income: $ 7500.00

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 400
??Car expenses: $ 657
??Utilities: $ 400
??Phone, cable, internet: $ 250
??Food, entertainment: $ 1000
??Clothing, household expenses $ 300
??Credit cards and other loans: $1000
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455502
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $743.27
 
Auction yield range: 17.04% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:23y 10m
Credit score: 760-779 (Apr-2010) Total credit lines: 16 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $2,502Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: laudable-listing6 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
capital for production of product
Purpose of loan:
Entrepreneur seeking funding for startup and initial production cost of a newly developed product that meets a need within the personal computer industry. The product should carry over into the business computer market as well. The Product deals with a specific problem or condition that affects a wide range of computers and computer users. The item will be relatively inexpensive to produce, package and ship.? The business model upfront is to begin marketing from a website to establish the name brand, and then to begin simple SEO insertions into key areas of the internet for quick initial visibility.? From there, the plans are to begin marketing to high volume online retailers in the computer industry. The product has been prototyped and tested. Early market research indicates a significant need for the item, and potential online retailers for the product have been identified. Initial patent protection (PPA) has been filed for the product with plans to develop and complete full utility patent status?once the product is in production and the market is partially established. Plans for an additional design of a similar product to further expand the market structure are also planned.? Plans for articles of incorporation are being formulated. Initial Startup and production cost estimates are Less than 25K. Experian?credit score 748
My financial situation:
OK, but the?economy is tough right now, lots of people are struggling.? I am just trying to better my position and make a better life for my family.? My newly develolped product has great potential and I will be willing to share the information with investros after the signing of non disclosure agreements
My financial situation:
OK, but the?economy is tough right now, lots of people are struggling.? I am just trying to better my position and make a better life for my family.? My newly develolped product has great potential and I will be willing to share the information with investros after the signing of non disclosure agreements
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455508
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1998 Debt/Income ratio: 46%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 7Length of status:1y 5m
Credit score: 680-699 (Apr-2010) Total credit lines: 35 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $15,923Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: economy-yeller2 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
Auto repair/Sweet 16 Birthday party
Purpose of loan:
This loan will be used to assist?with auto repairs and special event planning for childs?sweet 16 party.??

My financial situation:
I am a good candidate for this loan because I have excellent credit with no negative inquiries. I have good ethics. I was honorably discharged from the US Navy after serving 8 years active duty. I pay every bill I incur on time without any hassles. I am also a disabled veteran rxing 50% compensation for life. I have the income and debt will be paid back.

Monthly net income: $
3918.00
Monthly expenses: $
??Housing: $ 522.50
??Insurance: $ 88.00
??Car expenses: $ 370.00
??Utilities: $?55.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 395.00
??Other expenses: $ 50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455520
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $136.77
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1992 Debt/Income ratio: 12%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 2Length of status:12y 8m
Credit score: 760-779 (Apr-2010) Total credit lines: 20 Occupation: Principal
Now delinquent: 0 Revolving credit balance: $1,096Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: investment-expert8 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Medical Bills
Purpose of loan:
This loan will be used to pay off several bills.? I am recently divorced and jI am just getting my finances in order.? Taking care of these bills will make me feel better about taking care of my kids.

My financial situation:
I am a good candidate for this loan because I have been?with the same employer?for 13 years.? I have good credit and always pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $329.90
 
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: Jul-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 8 / 7Length of status:9y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 17 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $111,373Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: courteous-gold7 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
New Business Direction
Purpose of loan:
I am expanding and diversifying my current business into the small scale manufacture and sale of a unique offering of finished wood products, generated from local, sustainably harvested timber. The wood is locally processed and crafted into usable wood products and furniture, to be sold directly to the consumer in our own small retail shop we?are developing. This approach is very similar to the locally grown, organic food movement, except our crop is wood. These loan funds will be used to purchase initail wood processing equipment and to make upgrades to our recently leased shop and sales facility.
My financial situation:
I am a good candidate for this loan because?
My credit rating is excellent, displaying a long history of responsible borrowing with?18 years of home ownership?and minor use of consumer credit.?These funds will be invested to?supplement and diversify?existing income.
Lenders please note, the low rating from Prosper is evidently due to the fact that my home equity loan is viewed as "revolving credit". My current Equifax score is 802 and they classify a home equity loan as a mortgage, therefore my true revolving credit card balance is actually about 1.5% of what is shown here.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455642
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $278.73
 
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: Sep-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:17y 5m
Credit score: 660-679 (Apr-2010) Total credit lines: 18 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $1,030Stated income:$75,000-$99,999
Amount delinquent: $1,868 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: speedy-loot1 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
additional inventory to expand bus.
Purpose of loan:
This loan will be used to buy additional inventory to expand my retail business

My financial situation:
I am a good candidate for this loan because i sold over $200,000 on ebay last year

Monthly net income: $10,000

Monthly expenses: $
??Housing: $550.00
??Insurance: $
??Car expenses: $ 540.00
??Utilities: $200.00
??Phone, cable, internet: $120.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $100.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455648
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2006 Debt/Income ratio: 41%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:7y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 3 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: return-lava3 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
Truck & Trailer
Purpose of loan:


I am on here because I have tried the bank and no one will give you money unless you have collateral. It is so hard to get a good business idea, but I have one. I plan on buying a semi-truck and car trailer to haul cars. I will still have my full time job, which I have had for about eight years now. We already have drivers lined up and a dispatcher. We have also figured out all of the bills for our drivers, dispatcher, insurance, truck payment and on this load that I am trying to get. We are now to the point of just about paying anything in interest to get this loan. The reason I need this load is to pay the down payment for the truck and trailer. Without them we have no business. We figure after all expenses we will still be making about $7,000.00 to the good a month. We are trying to get started as soon as possible. I will be able to pay back the loan with absolutely no problem. Please help me. I will be happy to pay a high interest rate to get this business started. My best friend and I are going into business together and he is already a driver for another company. So we already have the experience. We are just trying to get our own business started, but it will be impossible without this loan.- ThanksMy financial situation:
I am a good candidate for this loan because?

Monthly net income: $2600.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 168.00
??Car expenses: $ 450.00
??Utilities: $ 200.00
??Phone, cable, internet: $200.00?
??Food, entertainment: $ 300.00
??Clothing, household expenses $0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455696
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $572.86
 
Auction yield range: 8.04% - 20.00% Estimated loss impact: 8.97%  
Lender servicing fee: 1.00% Estimated return: 11.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:0y 2m
Credit score: 780-799 (Apr-2010) Total credit lines: 12 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,573Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 25%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: best-agreement-flamenco 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
Capital to scale internet marketing
Purpose of loan:
This loan will be used to provide capital to scale my internet marketing business. I promote local businesses using pay per click marketing on various social media and search sites. I am profiting, however I do not have the funds to scale my current campaigns.

My financial situation: I have over 780 credit! I'm not sure why they rated me as a C. Probably because I'm self- employed. My monthly expenses are about $3400 per month personal expenses. Because I work on my computer, my business expenses are very low. The only additional expenses, which I am seeking investment for, are my marketing expenses for my current campaigns.
I am a good candidate for this loan because I have great credit, am in great health and have proven, marketing campaigns which need to be scaled. I have an affluent family who is supportive of me, however I would like to get this money on my own, without investments from any family members.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455702
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 0 / 0Length of status:4y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 2 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: flashman42 Borrower's state: Ohio 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
Only with your help.
Purpose of loan:
This loan will be used to? Establish a credit history for myself. My wife and I have moved together in reclaiming control of our financial health. After years of cleaning up my credit, I found that if you do not have a credit card or loan you have no history. This loan would help me purchase technology for my company and provide me with a good start toward building a solid credit history.

My financial situation:
I am a good candidate for this loan because? We have the revenue to pay the loan off quickly. We have a Prosper loan with 1 payment left in my wife's name. We have never missed or have been late. Having one in my name helps me and is paid with the same revenue as we have used on the first Prosper loan and provides equipment my business needs. I work in the service industry, and with out good people I could not be in business. I know the good people do here, and I ask for you r help. Thank You!


Monthly net income: $ 4500.00

Monthly expenses: $ 3843.00
??Housing: $ 1089.00
??Insurance: $ 54.00
??Car expenses: $ 400.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 1300.00
??Other expenses: $

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455708
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,400.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $76.74
 
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-1997 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 12Length of status:17y 2m
Credit score: 700-719 (Apr-2010) Total credit lines: 29 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $12,983Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: inspired-income634 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debt
Purpose of this loan is to pay off a few credit cards and clear out my debt. The loan is rather low due to only having these 3 credit cards to pay. Capital One, 1st premiere, and Chase.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455720
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $94.67
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1991 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 18Length of status:14y 10m
Credit score: 800-819 (Mar-2010) Total credit lines: 37 Occupation: Architect
Now delinquent: 0 Revolving credit balance: $15,820Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: best-innocent-finance 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
Foundation Repairs
Purpose of loan:
This loan will be used to?repair some?water problems?with the foundation on a duplex rental property. The concrete driveway?has cracked?along the foundation wall and moisture is beginning to show in the basement. I have contacted several professional contractors?to evaluate the situation and provide estimates for repair.??I am trying to take care of this problem immediately so it does not develop into a larger issue.

My financial situation:
I am a good candidate for this loan because I am financially stable and have been at my current job for 15 years. I have additional supplemental monthly income from several rental properties that are fully occupied. I have never been delinquent on a loan as my credit score reflects. My wife also has stable income as a teacher for 12 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,200.00 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: $284.38
 
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: May-1994 Debt/Income ratio: 93%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 13Length of status:4y 8m
Credit score: 740-759 (Apr-2010) Total credit lines: 58 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $36,443Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mdanko 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
funds for replacement of heat pump
I am in need of funds to replace my heat pump system that has gone out, I do not have the funds in cash, with the weather changing it is imperative that I obtain these funds for my family. The weather will soon escalate adn to go a whole summer and possibly wainter without replacement poses concern.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454659
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2007 Debt/Income ratio: 7%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 3Length of status:2y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 5 Occupation: Student - College G...
Now delinquent: 0 Revolving credit balance: $406Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: awe-inspiring-duty7 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
go for a trip
Purpose of loan:
This loan will be used to take parents for a trip

My financial situation:
I am a good candidate for this loan because I'm a graduate student with graduate research assistantship 22000per year

Monthly net income: $ 2300

Monthly expenses: $ 1100
??Housing: $ 400
??Insurance: $ 60
??Car expenses: $ 70
??Utilities: $ 70
??Phone, cable, internet: $ 40
??Food, entertainment: $ 400
??Clothing, household expenses $ 60
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455203
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1996 Debt/Income ratio: 24%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 20 / 11Length of status:2y 2m
Credit score: 660-679 (Apr-2010) Total credit lines: 57 Occupation: Executive
Now delinquent: 1 Revolving credit balance: $14,981Stated income:$100,000+
Amount delinquent: $1,000 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: reinforced-transaction 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
Remodel of Kitchen
Purpose of loan:
This loan will be used to remodel a new home that was just purchased. I plan on putting in a new kitchen along with new flooring and painting the whole house. I will be putting in approx $35,000 into the project and?I am looking to get $15,000 financed for a total project cost of $50,000.

My financial situation:
I am a good candidate for this loan because I have had many years of financial experience. I have paid my debt in full each month and on time. I have a very stable job and have been with the company for a while now.

Monthly expenses: $
??Housing: $?1,250
??Insurance: $ 225
??Car expenses: $ 350
??Utilities: $ 550
??Phone, cable, internet: $ 100
??Food, entertainment: $?500
??Clothing, household expenses $ 375
??Credit cards and other loans: $ 762
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
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: 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-1986 Debt/Income ratio: 16%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 4 / 4Length of status:1y 0m
Credit score: 600-619 (Apr-2010) Total credit lines: 48 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $1,423Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 42    
Screen name: queenbe2 Borrower's state: Florida Borrower's group: Clean Slate
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 92% ) 600-619 (Latest)
Principal borrowed: $1,000.00< mo. late: 2 ( 6% )  
580-599 (Dec-2007)
600-619 (Jul-2006)
600-619 (Jun-2006)
 
Principal balance: $0.00 1+ mo. late: 1 ( 3% )
Total payments billed: 36  
Description
credit card pay off
First of all, Thank you for accpting me in your group! I had moved to Florida from up north 6 years ago, and ran into some financial hardships along the way. I work at a well known financial company, and rebuilding my credit is very important to me.I took a decrease in pay to move here, the pay down south is not like it was up north. My parents were relocating to Florida, so I decided to take the plunge and move as well! My husband has had a hard time adjusting to the pay scale down here as well. I am currently saving to buy a house, and as soon as my credit score gets a little higher, and I have some money in the bank, hopefully I will be able to buy a home.I feel I am a good candidate for this loan because of a few reasons: First, I am in the business, I know how it works, everything is driven off your credit score, and even rebuilding your credit takes some time. I have already started to rebuild my credit as you can see in my credit report.I read an article about Prosper in my local newspaper and I thought, Wow, what a great concept! So, here I am please consider me for this 1000.00 and help me rebuild my credit. Thank you very much for this opportunity.Thank you Queenb2
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455245
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2001 Debt/Income ratio: 19%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 6Length of status:1y 3m
Credit score: 700-719 (Apr-2010) Total credit lines: 14 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $217Stated 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: finance-framework 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
Baby on the way
Purpose of loan:
This loan will be used for remodeling our office into a safe and clean baby bedroom complete with all the bells and whistles. Funds will also be used for the medical uses associated with preparation and delivery. We do not expect to use every penny but like to have funds set aside in case of emergency.

My financial situation: Comfortable. I paid off a new vehicle in under two years and own a duplex (live in one side and rent the other).
I am a good candidate for this loan because?I am responsible and risk averse. I will most likely pay this loan back a little early; I'm not the minimum payment type.

Monthly net income: $ 6,000

Monthly expenses: $ 2,550
??Housing: $ 1250
??Insurance: $ 50
??Car expenses: $ Paid Off
??Utilities: $ 100
??Phone, cable, internet: $50
??Food, entertainment: $200
??Clothing, household expenses $300 (includes grocery)
??Credit cards and other loans: $400
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455299
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.50% Starting borrower rate/APR: 10.50% / 12.61% Starting monthly payment: $243.77
 
Auction yield range: 4.04% - 9.50% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1988 Debt/Income ratio: 30%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 13Length of status:4y 3m
Credit score: 720-739 (Apr-2010) Total credit lines: 45 Occupation: Tradesman - Electri...
Now delinquent: 0 Revolving credit balance: $79,837Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: willinvest 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: 18 ( 100% ) 720-739 (Latest)
Principal borrowed: $10,000.00< mo. late: 0 ( 0% )  
760-779 (Jun-2008)
760-779 (Oct-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
PAYOFF WIFE'S AUTOMOBILE
Purpose of loan:
This loan will be used to pay off my wife's automobile.This will allow use to free some money to help payoff our credit card debt. Thank you.

My financial situation:
I am a good candidate for this loan because I'm retired military, I receive disability and I work in a government shipyard as a nuclear electrician. My net income is $7,500, My wife's is $2,700

Housing- $986
Insurance-$115
Car expense-$495
Utilities-$120
Phone,cable,internet- free my wife works for the cable company
Food,entertainment-$400
Clothing,household expenses-$100
Credit cards-$400
other-HELOC-$500

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455311
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1999 Debt/Income ratio: 15%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 13Length of status:3y 1m
Credit score: 700-719 (Apr-2010) Total credit lines: 29 Occupation: Professional
Now delinquent: 4 Revolving credit balance: $8,036Stated income:$75,000-$99,999
Amount delinquent: $3,610 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Majianlord Borrower's state: Colorado Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff Old Accounts
Purpose of loan:
Finally Pay of Divorce Debit
My financial situation:
I am a good candidate for this loan because I have a stable job, good gamily and fall back plans already in place.I have not had a missed payment/late payment in over 7 years and have stayed well under my ability to pay of things.I just received a raise and feel it?s now time to get a small loan to pay off the last of the collection accounts I have.It lists me as HR due to my collection accounts that are all over 7 years old.My Credit score has gone from 600 -714 over the last 4 years and by paying off this old debit I can finally get it over 750.I would like to get this loan so I can spread out the payments and have another positive loan on my credit history.

Monthly net income: $ 5500 After tax?s/Medical Insurance

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 0
??Car expenses: $ 500
??Utilities: $ 250
??Phone, cable, internet: $ 320
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 75
??Other expenses: $Child Support = 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $91.64
 
Auction yield range: 14.04% - 18.00% Estimated loss impact: 14.79%  
Lender servicing fee: 1.00% Estimated return: 3.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1998 Debt/Income ratio: 36%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 6Length of status:18y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,496Stated 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: deal-pudding4 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
adding a room to our home
Purpose of loan:
This loan will be used to? add an addition to our home

My financial situation:
I am a good candidate for this loan because? I pride myself in paying my bills on time.

Monthly net income: $ 2100.00 ???? ????

Monthly expenses: $ 1629.50 ??
??Housing: $ 664.00
??Insurance: $ 76.50
??Car expenses: $ 499.00
??Utilities: $ 75.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 25.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 40.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455359
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,900.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $235.93
 
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: Mar-2003 Debt/Income ratio: 10%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 10Length of status:1y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,149Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: generosity-caper Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Studen Loan & High CC Rate
Purpose of loan:
This loan will be used to? consolidate my student loans and credit card debt

My Credit Score:

750+

My financial situation:
I am a great candidate for this loan because?great credit history, never been late on ANY of my payments, i have a stable job and i am looking to consolidate my debt into, one payment!?

Monthly Rent: 400 (its this low because I rent with a roomate)

Monthly Income: 4000

Car Insurance: 100/m
Utilities(electric,cable,phone): 150/m
Car Expenses: 205/m (125/m car loan, 80m gas)
Food: 150/m
Clothing, household expenses $ 200/m (+ or -)
Credit cards and other Student Loans: $ 400/m (minimum Payments)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455365
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 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: 7.18%  
Lender servicing fee: 1.00% Estimated return: 1.82%  
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-1989 Debt/Income ratio: 15%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 11Length of status:5y 4m
Credit score: 780-799 (Apr-2010) Total credit lines: 66 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $78,158Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: efficient-revenue2 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
Real Estate Purchases - Experienced
Purpose of loan:
This loan will be used to fund a real estate purchase. I own 26 single family homes. I purchase the homes in a middle class area of for around $15,000 and put $10,000 into the rehab. This is 100% turn-key since I've done it 28 different times. Once complete, I rent the homes for $600 to $775, which creates a great ROI. I started buying about 18 months ago when the market went into the tank, which has allowed me great cash flow on these properties. This month I collected rent on all of my properties, which is unheard of in today's market (knock on wood).

75% of the properties have mortgages on them with an average LTV of 60%. 25% of the properties are held in cash to help balance my cash flow. I am looking for a few sources of funding as banks are getting harder and harder to work with. Once complete? the property that this money will be used for will appraise at $40M to $50M, so this is a solid investment. The cash flow alone allows me to share the wealth while leveraging outside funds.

There are unlimited homes that this process can be done with, if only there were unlimited dollars to leverage to obtain these returns on investment.
My financial situation:
I am a good candidate for this loan because I have a strong business plan that has been proven. Mix real estate investing with a strong business accumen and you have a powerful combination. I also have a very strong income from my day job, have equity in a $400,000 house in the burbs, have not debt other than what is tied to real estate (no car payments, etc.). I also have over $250,000 in savings.


My financial situation:
I am a good candidate for this loan because I have a strong business plan that has been proven. Mix real estate investing with a strong business accumen and you have a powerful combination. I also have a very strong income from my day job, have equity in a $400,000 house in the burbs, have not debt other than what is tied to real estate (no car payments, etc.). I also have over $250,000 in savings.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455371
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1993 Debt/Income ratio: 86%
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 15 / 13Length of status:20y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 40 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $25,513Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: affluence-atlantis Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying bills
Purpose of loan:
This loan will be used to?
Wanting to pay down bills with a shorter term loan as opposed to the revolving accounts we now have.
My financial situation:
I am a good candidate for this loan because?
We've never missed?a payment and always on time.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455379
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1973 Debt/Income ratio: 76%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 10Length of status:3y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 32 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $18,999Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 16    
Screen name: irishmurph55 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained 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 ( 96% ) 660-679 (Latest)
Principal borrowed: $3,500.00< mo. late: 1 ( 4% )  
680-699 (Jul-2009)
700-719 (May-2008)
640-659 (Jan-2008)
 
Principal balance: $1,455.85 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Paying off CC, loans
Purpose of loan:
This loan will be used to? Pay of CC's, a car loan

My financial situation:
I am a good candidate for this loan because? I have been late on payments only 1 time with Prosper. But I do pay my bills off.
I work a full time job and have gone back to school to get an Associates degree in the medical field and I would like to consolidate bills to 1 payment.
Monthly net income: $1600

Monthly expenses: $?
??Housing: $0
??Insurance: $ 140
??Car expenses: $80
??Utilities: $ 140
??Phone, cable, internet: $ 100
??Food, entertainment: $350
??Clothing, household expenses $100
??Credit cards and other loans: $ 600
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1997 Debt/Income ratio: 26%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:0y 1m
Credit score: 720-739 (Apr-2010) Total credit lines: 18 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $11,497Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: mtgpercussion 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 / 1 On-time: 25 ( 100% ) 720-739 (Latest)
Principal borrowed: $11,000.00< mo. late: 0 ( 0% )  
700-719 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Consolidation of final debts
I have never been delinquent on any of my accounts. With this loan I am not taking on any extra debt. I am only transferring it from a high interest credit card to a realistic loan that can be payed off. I payed off my last loan 1 year early and have never been late making a payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455383
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $102.57
 
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: 26%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:1y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 0 Revolving credit balance: $14,032Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 32    
Screen name: capital-rider1 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I need to put a ring on it!
Purpose of loan:
This loan will be used to? buy an engagement ring. We are going to Paris for her best friends wedding. I plan on proposing at the Pont des Arts bridge at night.

My financial situation:
I am a good candidate for this loan because? I have 2500 already saved up, and I can't get a loan right now with a bank because of my credit history WHILE I was i college. I paid all of my debtors off in the first 9 months out of college. I actually lived in a dump for 6 months with a bunch of illiegals so I could make that happen. I no longer have to rely on college loans to get me by in life. I have a real professional job, with a lot of responsibilities. Not only this, but she has been with me for 5.5 years. I was still at Ohio State and she had already graduated from college. She would travel back and forth from CIncinnati to Columbus every weekend. I've put her through a lot, so if you could help me propose in Paris, that would be phenomenal. What I don't want to happen if for her to co-sign on a loan...and then she knows what's happening.

A side note---I listed this before at $4000 @ 20%. Now I just am asking for $2500 @ 27% (which I think is a high rate--but I'm pretty desperate..we leave in about a week)

Monthly net income: $ 2510

Monthly expenses: $ 1645
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 160
??Utilities: $ 120
??Phone, cable, internet: $ 45
??Food, entertainment: $ 75
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 350
??Other expenses: $ 175
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455389
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $208.12
 
Auction yield range: 17.04% - 19.00% Estimated loss impact: 20.06%  
Lender servicing fee: 1.00% Estimated return: -1.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1998 Debt/Income ratio: 8%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:2y 7m
Credit score: 620-639 (Apr-2010) Total credit lines: 25 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $3,783Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: meowcats Borrower's state: Vermont Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 59 ( 97% ) 620-639 (Latest)
Principal borrowed: $4,000.00< mo. late: 2 ( 3% )  
560-579 (Dec-2007)
560-579 (Nov-2007)
580-599 (Feb-2007)
600-619 (Jan-2007)
 
Principal balance: $571.98 1+ mo. late: 0 ( 0% )
Total payments billed: 61  
Description
Paying off taxes and credit cards
Purpose of loan:
This loan will be used to pay?taxes and credit card debt.

My financial situation:
I am a good candidate for this loan because I am a former and present Prosper Borrower with an excellent payback record. I am currently and thankfully always been employed. I receive a monthly paycheck and?paid on a?salary basis.? I am now a homeowner which I wasn't previously.? My credit score is low because of several issues due to relocation for my job?2.5 years ago. Couldn't sell my home/foreclosed.?The other reason it's low is?the credit cards have low limits.? I've been paying cash whenever I can?and only using them for emergencies and for the pets I take care of. (Tweleve rescue animals/4 dogs/8 cats).

Monthly net income: $ 4146.00
Monthly expenses: $
??Housing: $ 1595.00 + 215 for taxes ($1810.00)
??Insurance: $ 60.00 (house and car)
??Car expenses: $?150.00 (gasoline)
??Utilities: $ 161.00
??Phone, cable, internet: $ 99.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 322.00
??Other expenses: $ 175.00 (IRS payment plan) will use some of the loan money to pay down and pay off? IRS entirely by April 15, 2011.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455409
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 11 / 11Length of status:7y 7m
Credit score: 640-659 (Apr-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 0 Revolving credit balance: $13,106Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: safe-integrity9 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Trading Capital 10K to 100K
Purpose of loan:
This loan will be used to?Trade the market I have found a service with verified results that produced over 2700% last year, Had I been able to compound the results?it?would be?about?$?4 MILLION?in one year.?this year they are up over 880% already. The $10,000 could be worth $100,000 this year alone..
My financial situation:
I am a good candidate for this loan because? This service has not lost on a trade in almost 2 years and ususally makes 30-60% a trade with some 100% trades

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 455425
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1997 Debt/Income ratio: 26%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 5 / 5Length of status:0y 1m
Credit score: 640-659 (Mar-2010) Total credit lines: 10 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: power-accord Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off a couple bills.
Purpose of loan: Hi there. Thanks for veiwing my posting.? I have a couple small bills I am going to pay off by rolling them into one loan on prosper. I had a short term layoff a couple months back, however, back to full time employment with a great local company. The short work history listed on here is due to the fact I am a union powerline builder, so in the past worked where the union had work. My new company, however, retains employees and keeps work close to home.

My financial situation:
I am a good candidate for this loan because?I have a low cost of living and?make great money in?construction.? Feel free to email any questions?or request for documentation as I am willing to answer/ provide any that will help with youre decision to invest in this loan.. Thanks.
Monthly net income: $ 2800

Monthly expenses: $?1591
??Housing: $250
??Insurance: $ 66
??Car expenses: $?500
??Utilities: $ 200
??Phone, cable, internet: $ 90
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 125
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455427
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2004 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:4y 2m
Credit score: 640-659 (Apr-2010) Total credit lines: 8 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,964Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: professional-duty9 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 surgery
Purpose of loan:
This loan will be used to?
pay off my surgery debt.
My financial situation:
I am a good candidate for this loan because?
I can pay it off and pay more than the monthly payment if allowed.
Monthly net income: $
2,000
Monthly expenses: $
??Housing: $ o
??Insurance: $ 135
??Car expenses: $ 60-70
??Utilities: $ 0
??Phone, cable, internet: $ 90
??Food, entertainment: $ 90- 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 370
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455431
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 21.53% Starting borrower rate/APR: 22.53% / 24.80% Starting monthly payment: $961.63
 
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: Nov-1995 Debt/Income ratio: 12%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:9y 10m
Credit score: 800-819 (Apr-2010) Total credit lines: 37 Occupation: Other
Now delinquent: 0 Revolving credit balance: $118Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 14    
Screen name: etraboulay Borrower's state: California 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.
Description
New Salon and Day Spa in San Diego
Purpose of loan:
This loan will be used to fund a new venture for Mythos Salons Inc. We have been incorporated for a year and a half in California and have become profitable. We have an established Fantastic Sams franchise in the area and are looking to open a new higher end salon and day spa in which we will be able to provide the following services: - Hair Cuts and Color - Massage Therapy - Nails - Skin Care Our current franchise limits us to only doing hair and color services. We cannot add other services which limits our potential.

My financial situation: - Full time engineer for the number two Aerospace company $100K+/yr - Current owner of a profitable Hair Franchise - 0 Credit card debt. I pay my credit card off every month (AMEX GOLD) - Rent is cheap about $600/month -
I am a good candidate for this loan because I always pay my bills on time and am trying to use Prosper to build my credit. I have the cash to pay off this loan at any time, but need this to increase my credit from good to excellent! Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,300.00 Prosper Rating: 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: $149.28
 
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-1991 Debt/Income ratio: 11%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 5Length of status:8y 10m
Credit score: 720-739 (Apr-2010) Total credit lines: 21 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $8,958Stated income:$100,000+
Amount delinquent: $9,180 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: rentals Borrower's state: California Borrower's group: PsychDoc's Group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 64 ( 100% ) 720-739 (Latest)
Principal borrowed: $13,500.00< mo. late: 0 ( 0% )  
700-719 (Aug-2009)
720-739 (Nov-2007)
760-779 (Jul-2006)
 
Principal balance: $1,625.03 1+ mo. late: 0 ( 0% )
Total payments billed: 64  
Description
Loan Mod.? Yes! Now....Painting
Purpose of loan:
Vintage home and 3 rentals need paint. I'm one of the lucky ones who got an ARM mortgage modified (after going 3 months delinquent, affecting my credit score).
I?m a hard-working, responsible health professional employed parttime as Clinical Manager supervisor of a staff of 5. I also have a busy private practice. I?m well-respected professionally in my region, and I have recently been awarded health profession state education grants to repay my student loans. If you?d like to know more about my current rentals budget or future plans, please contact me via Prosper. Thank you for considering my need.

My financial situation:
$3000 monthly rent guarantees?the regular?cash flow for Prosper payment. Perfect payment history on two loans with Prosper. 35 years of excellent credit scores -- now?fallen due to mortgage reset. $10,000 monthly income (rentals+earnings).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455439
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1990 Debt/Income ratio: 61%
Basic (1-10): 1 Inquiries last 6m: 9Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 16 / 14Length of status:2y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 56 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $13,260Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: Spiritmaker Borrower's state: California 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 / 1 On-time: 29 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,000.00< mo. late: 0 ( 0% )  
660-679 (Oct-2009)
600-619 (Apr-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Moving Forward
Credit card companies have raised their rates again,

I could not understand why my balances were not droping even though I have been paying several dollars over minimum.... Well, guess what? New laws and procedures have jacked up my rates near 30%!!! I would rather pay YOU than the credit card companies, so PLEASE FUND MY LOAN... I bring in $2240/ month and my husband $3000. ?Housing: $ 1430.
??Insurance: $?160.
??Car expenses: $?200.????
??Utilities: $?200.
??Phone, cable, internet: $?300.
??Food, entertainment: $ 500????????????
??Clothing, household expenses $?300.
??Credit cards and other loans: $ 750.
??Other expenses: $ 200.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455445
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $366.54
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1967 Debt/Income ratio: 5%
Basic (1-10): 6 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:11y 10m
Credit score: 720-739 (Apr-2010) Total credit lines: 16 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $68,252Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Co-Papa 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
Autistic Grandson's Medical Bills
Purpose of loan:
This loan will be used to pay my Autistic grandson's medical bills.? My son has gone through a divorice and is responsible for my grandson's medical bills.? The bills are due and this will help pay them off.? ?I want to give him the ability to pay these bills over a period of time.


My financial situation:
I am a good candidate for this loan because I have great payment history with my credit accounts for over 35 years.? I own my house? and I want to help my son.
My monthly net income is $6800.? My expenses are $2500.
The medical bills are over $50k so this $8K will pay the remaining of the bills.? I am piccking up 40K of these bills.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455449
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 22.00% Starting borrower rate/APR: 23.00% / 26.85% Starting monthly payment: $38.71
 
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.
Hello, My husband and I have made?it a goal of ours to get rid of all of our debt by next?August (with the exception of one auto payment) While 1,000 dollar loan isn't going to neccessarily make a huge impact, it will help us in?our goal of achieving a bigger loan?in a few months with prosper. See,?right now the ideal loan is 7500, this amount would help out tremendously, and we already have an action plan for this. Ask, and we can share this with you. Unfortunately, right now since my credit is?at about 94 percent used,?my fico score is brought down by this, and as a result prosper lists me as HR when requesting such a high amount. Anyhow, the 1,000 dollars will be used directly to pay off two bills on my credit, in which will lower my credit usage enough to boost the score a bit higher. I'll have the prosper loan paid off in about three months, or sooner, where I can then request a bit larger one with the improved score, and again pay off a few more bills which will boost the score once more, and once again, I can pay that one off in a few months, and finally ask for the big loan, which will get rid of the rest of them, and take?me probably half of next year to pay off, in which I'll be out of the hole, and in a debt free territory with my husband. I can't wait for it, I bet the air really smells a lot better?once you don't have?that debt cloud over head.?

??????????????? Really, that?maxed credit limit line is the only thing sinking my score right now. I've never been late on a payment, the 12 you see listed where from an absolutely horrible credit "consolidation" service I once tried, that turned out to be more of a middle man?irresponsibly paying my bills late all the time. I never even?knew until some of them actually called me to ask what was going on. That is a long story, but if you want to know it, please feel free to ask, I'm an open book.?Once I lower my credit usage to practically zero by next fall, my score should soar somewhere?in the mid to high 700s, and I can't wait for that because then I plan on starting the next phase with all the new money freed from my?debt, and saving for a nice down payment on a house!?

??????? I appreciate all of you who will bid on this, and I thank you for personally helping me out with my goal. Thanks!


Monthly Net Income: $3552
Monthly Expenses: $2936


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 9.34% Starting monthly payment: $190.80
 
Auction yield range: 3.04% - 8.00% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.50%  
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: Apr-1981 Debt/Income ratio: 19%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 12 / 11Length of status:3y 2m
Credit score: 800-819 (Apr-2010) Total credit lines: 38Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $13,503 
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: top-repayment-accord 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
About myself:

I am a 70yrs old mother of four adult children and five grandchildren. I was forced to raise my kids by myself as my husband died in the US Navy. It was hard all by myself but I always managed to pay my bills on time. Over the years I was able to save up enough to acquire a rental property which helps me supplement my retirement.

How I plan on using funds:

I am working on paying off my high interest rate credit card bills. Recently I have run up some credit card bills remodeling and improving my rental. These remodels were mostly put on store credit cards with high interest rates. I would like to lower my high interest credit cards and get rid of them.

Ability to Pay:

I have never filed for bankruptcy nor had a house foreclosed upon. Over my 70 years I have faithfully paid all of my bills and I have never neglected to honor any of my financial agreements. If I make a bill I plan on paying it in full. I have two houses, my primary residence and my rental, both of which I have over 50% equity in. Recently two of my children have moved in with me, so that we can work together to pay some of our bills off. One is an aspiring Marine Biologist working on her Masters Degree and the other is working on finding a job in finance. Both of them are currently with out jobs but are actively looking for careers in their fields. When they find jobs they will pitch in rent to help me get my bills under control. This loan will not add additional debt as I plan on paying off the higher interest rate cards and using the money which I currently use on them to pay for this loan.


My monthly income is:

Social Security: $1,445
Veterans Affairs Surviving Spouse Benefits: $1,194
Rental: $1,400
Total: $4,039


Thank You ahead of time for your bids!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455455
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,400.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.01% Starting borrower rate/APR: 10.01% / 10.35% Starting monthly payment: $238.81
 
Auction yield range: 3.04% - 9.01% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.50%  
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-1975 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 19 / 16Length of status:7y 11m
Credit score: 800-819 (Mar-2010) Total credit lines: 53 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,302Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: american7 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
The purpose of this loan is to clear high interest rate credit cards and consolidate debt.??

My financial situation:
I would love to save the extra couple bucks a month. Doesn't make sense paying the banks when I can just as easily pay you...for less!

Monthly net income: $
5300

Monthly expenses: $
??Housing: $?1800
??Insurance: $250
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 530
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455467
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1993 Debt/Income ratio: 18%
Basic (1-10): 5 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: 59 ( 94% ) 720-739 (Latest)
Principal borrowed: $4,700.00< mo. late: 4 ( 6% )  
580-599 (Jan-2008)
620-639 (Dec-2006)
 
Principal balance: $492.37 1+ mo. late: 0 ( 0% )
Total payments billed: 63  
Description
UNPLANNED TRIP TO SEE FUTURE WIFE
Purpose of loan:
Unplanned trip to see future wife.???Last trip December/January 2010.?




My financial situation:
I am a great candidate for this loan because?I am paying not only on time for a house; I am paying on the principle which allows me flexibility to put it on the market 01 June at currrent market value.??I have far less than the average American in revolving credit at $10K TOTAL
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455469
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,075.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $93.86
 
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: Jul-1999 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 8Length of status:0y 11m
Credit score: 620-639 (Apr-2010) Total credit lines: 22 Occupation: Sales - Commission
Now delinquent: 5 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $3,913 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 16    
Screen name: steeley Borrower's state: Alabama Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 60 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
560-579 (Jan-2008)
520-539 (May-2007)
 
Principal balance: $730.07 1+ mo. late: 0 ( 0% )
Total payments billed: 60  
Description
This Will Be My Third Prosper Loan
I just paid off a Prosper loan that I had for almost 3 yrs . I never had a late payment. Also, I have another Prosper loan with over 2 yrs worth of on time payments. Never a late payment on that as well.

THIS WILL ALLOW ME TO CONSOLIDATE AND PAY OFF ALL NEGATIVE DEBT!

MY CREDIT SCORE HAS GONE UP OVER 100 POINTS SINCE I FIRST STARTED WITH PROSPER!

Purpose of loan:
I am trying to consolidate some cc and personal loans so that I can have one low payment Most of this debt was accumalated while on unemployment. Even during the year of unemployment I never missed a payment on Prosper. Paid on time each month. I can easily make the payments. I am still working to get out of the whole i dug for myself in college.

My financial situation:
I am a single 30year old college graduate. I made about 45k in 2007. Since I live at home and make a great income , I will have no problem paying the loan off early.I am using this to continue building my credit score. I need to have a 650 by June. I have a game plan to make this happen. After new Prosper loan, I will still have plenty of funds left over to pay this off early.

Monthly net income: $ 2500

onthly expenses: $
??Housing: $ 0
??Insurance: $ 115
Car expenses: $?100
??Utilities: $ 0
??Phone, cable, internet: $?100
od, entertainment: $?300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 100
? Prosper $87
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1998 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Not employed
Enhanced (1-5):2 Current / open credit lines: 4 / 3Length of status:0y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 26Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $556 
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: loan-mountain7 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
buying a used car for our family
Purpose of loan:
This loan will be used to?
purchase a vehicle for my brother in college
My financial situation:
I am a good candidate for this loan because?
I am working part time as a substitute teacher for extra money but I am financially stable because my husband makes $65000/year and supports us through his income but his credit score was not high enough to apply.
Monthly net income: $
4500
Monthly expenses: $
??Housing: $1298
??Insurance: $ 107
??Car expenses: $ 200.56
??Utilities: $230
??Phone, cable, internet: $ 150
??Food, entertainment: $?1000
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 50
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455475
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 9Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 7 / 4Length of status:9y 11m
Credit score: 660-679 (Apr-2010) Total credit lines: 13 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $3,136Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: income-transporter1 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
Get Rid of Bank of America
Would like to use the money to get rid of Bank of America, Bad Interest rate despite i PIF each month and have PERFECT credit want it done fast
My Oldest account is 17 Years, i have NEVER as much as had a late payment. Ample amounts of CC, Paid 2 Autos off in less than 24 months with 20K down very disciplined
In addition, as current Chairman of our family owned Corporation Last Name which isnt allowed for security reasons by this site Holdings LLC I in an advisory capacity make 125,000 annually and also make additional income for consulting fees with our corporation, and my private investment account at UBS PRIVATE WEALTH MANAGEMENT.
My Bills are nominal as I use AMEX Charge cards so i PIF, my phone bill is 70.00 a month, Investment property loan is 600 a month, and Other bills, i.e. water, elec, and Gas are roughly 200.00 a month. My monthly usuage on my Platinum Charge card is 3,000 a month. But PIF every MONTH, since 1993.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $108.28
 
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: Nov-1991 Debt/Income ratio: 34%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 9Length of status:9y 8m
Credit score: 760-779 (Apr-2010) Total credit lines: 31 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $123,943Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: joyous-social 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
New Fence For Backyard
We need this small loan to replace an old wooden fence in our backyard. Due to the current housing market, our home equity line is frozen. Both myself and my husband have worked at the same hospital for over 10 years. We are solid consumers, and will have no difficulty paying this loan back. Thank you for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455493
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $123.09
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1994 Debt/Income ratio: 17%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:7y 11m
Credit score: 660-679 (Apr-2010) Total credit lines: 23 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $3,620Stated income:$50,000-$74,999
Amount delinquent: $46 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mindful-kindness8 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
Windows
Purpose of loan:
This loan will be used to re-place windows in home?

My financial situation:
I am a good candidate for this loan because I recently got a?significant pay increase in salary?

Monthly net income: $ 3,200.00

Monthly expenses: $
??Housing: $ 1,394.00
??Insurance: $ 395.00
??Car expenses: $ 223.00
??Utilities: $ 350.00
??Phone, cable, internet: $ 369.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 600.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455499
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 31.50% Starting borrower rate/APR: 32.50% / 34.92% Starting monthly payment: $328.74
 
Auction yield range: 8.04% - 31.50% Estimated loss impact: 9.26%  
Lender servicing fee: 1.00% Estimated return: 22.24%  
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-1979 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 9Length of status:17y 8m
Credit score: 780-799 (Apr-2010) Total credit lines: 33 Occupation: Teacher
Now delinquent: 3 Revolving credit balance: $11,218Stated income:$50,000-$74,999
Amount delinquent: $1,614 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bonus-crescendo Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating
Purpose of loan:
This loan will be used to consolidate some personal debt.? Although my husband and I pay our joint accounts in full each month, I do have a few separate items I would like to consolidate into one monthly payment with a fixed rate.? In addition,?I am looking for an alternative to a credit card as the two I have unjustly raised my rates.? I would like to pay everything off in the fixed timeframe set by Prosper.

My financial situation:
I am a good candidate for this loan because I have exceptional credit history- I have never been late and maintain a great credit profile.? As you can see,?my score is?now in the upper 700?range (My score was in 800s until I discovered the delinquency that was reported when I attempted to get a Prosper?loan.? These were several cards I don't use and are disputed.? The lates are being removed but evidentally are not updated yet).??I have been employed for approximately 17 years at the same enitity.? Finally, my ability to pay is demonstrated in that, should the situation warrant it, my husband's income is more than suffiicent to pay all our basic bills.? Therefore, if necessary, I could apply all my income toward this loan.? Breaking down specifically, our monthly bills include a gas card and credit we pay in full each month (no more than $1500-$2000 as we put all expenses on earnings credit cards) and a mortgage of $1400.? Our total income is over $125,000/ year (monthly bring home about $6500 combined as we put money into IRA/401k).? That leaves around $5100/month in our most expensive months to pay this Prosper loan.? Of course, my income alone is sufficient in that I bring home around $3800/month.? Based upon these numbers, I can obviously afford the payment.? Again, I am looking for a personal alternative to credit cards to pay this down as I have closed most of my cards- including these.??I did this before the credit crisis and was not worried about being able to obtain another large credit line for a balance transfer.? However, since the overall credit situation has changed, this has become increasingly difficult and, consequently, I am ready for an alternative.? Prosper seems to be the perfect solution.? I would like to pay one in full now and the other at a later time.

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 33.00% Starting borrower rate/APR: 34.00% / 34.40% Starting monthly payment: $44.67
 
Auction yield range: 3.04% - 33.00% Estimated loss impact: 0.68%  
Lender servicing fee: 1.00% Estimated return: 32.32%  
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: Apr-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 13 / 12Length of status:6y 10m
Credit score: 780-799 (Apr-2010) Total credit lines: 40 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $14,063Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: kronosmetis Borrower's state: Missouri Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Reinvesting in Prosper - LOW RISK
Purpose of loan:
This loan will be used to? reinvest in to Prosper!? I have $1,000 of my own money active or tied up in bids on Prosper.? Since November 2009 I've made 12% on my money with no defaults and two payoff.? I'd like to experience the borrower side of things and build my Prosper score with a small loan to reinvest, will you help me?

My financial situation:
I am a good candidate for this loan because?I am an experienced business owner, responsible with money and I wish to give back to the Prosper community by taking out and reinvesting.? I've been in business and self employed for 7 years now, with gross sales over $200,000 every year.

My Lending Statistics:
http://www.ericscc.com/lenders/kronosmetis
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455517
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 6 / 4Length of status:9y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 17 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $3,654Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 48%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wise-bazaar-communicator Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
INVENTORY
Purpose of loan:
This loan will be used to? purchase inventory and display fixtures that are needed in order to further expand my retail business.? Business expansion will generate more profit and allow me to successfully take my finances to another level while coinciding, making the necessary monthly payments of reimbursement for the loan.

My financial situation:
I am a good candidate for this loan because? I am diligent in making wise business decisions. The loan will be utilized in the most advantageous way, which will result in an abundance of profit which means no uncertainty in reimbursement. In addition to my notable degree of consistency, meeting financial obligation without delay for all monthly bills which has resulted in a good fico score for myself. I am trustworthy and humbly entreat the opportunity to sustain this loan to become more virtuous.

Monthly net income: $ 5000

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 100
??Car expenses: $ 275
??Utilities: $ 120
??Phone, cable, internet: $ 95
??Food, entertainment: $ 400
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 850
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455609
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1996 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: 6 / 5Length of status:0y 1m
Credit score: 640-659 (Apr-2010) Total credit lines: 23 Occupation: Sales - Commission
Now delinquent: 2 Revolving credit balance: $338Stated income:$25,000-$49,999
Amount delinquent: $1,501 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: reasonable-loan1 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
Inventory for my store
Purpose of loan:
This loan will be used to? fund inventory for my store. I have used every penny I had in savings to start this business. I need money to fund inventory to sell

My financial situation:
I am a good candidate for this loan because? I am highly ambitious and most of the debt I have incurred is putting myself through school. I need to make this venture work. I am ready to be a business owner!

Monthly net income: $ 5800

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 95
??Car expenses: $ 455
??Utilities: $ 100
??Phone, cable, internet: $ 129
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1997 Debt/Income ratio: 16%
Basic (1-10): 6 Inquiries last 6m: 5Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:0y 7m
Credit score: 700-719 (Apr-2010) Total credit lines: 5 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $1,730Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: balance-utopia Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for college
Purpose of loan:
This loan will be used to pay for living expenses while I attend college.

My financial situation:
I am a good candidate for this loan because I am responsible and trust-worthy.

Monthly net income: $
1100.00
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 5 / 5Length of status:9y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 2 Revolving credit balance: $1,480Stated income:$75,000-$99,999
Amount delinquent: $5,074 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 25    
Screen name: community-pal6 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Rehab of new part of office
Purpose of loan:
This loan will be used to rehad the other side of our office, paint, carpet, tile.?

My financial situation:
I am a good candidate for this loan because I have a real estate and insurance agemcy which makes profits each month. We had to pay our E and O insurance and other expenses this month and just need a quick $3,000 to improve the office.? Short term loan

Monthly net income: $ 7,500

Monthly expenses: $ 2,000.00
??Housing: $ 500.00
??Insurance: $ 125.00
??Car expenses: $
??Utilities: $ 113.00
??Phone, cable, internet: $ 68.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 500.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455645
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $62.40
 
Auction yield range: 4.04% - 14.00% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 11.85%  
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: Sep-1991 Debt/Income ratio: 36%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 9Length of status:12y 8m
Credit score: 760-779 (Apr-2010) Total credit lines: 28 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $32,019Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pughclassic Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my short term loan
Purpose of loan:
This loan will be used to? To help payoff existing credit cards and 401k loan

My financial situation:
I am a good candidate for this loan because? Always pay bills on time, this loan is very small, full time job for 12?years own my home for over 7 years
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455657
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1982 Debt/Income ratio: 4%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 0 / 0Length of status:16y 10m
Credit score: 660-679 (Apr-2010) Total credit lines: 24 Occupation: Postal Service
Now delinquent: 2 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 16    
Screen name: logical-money1 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
pay taxes,dentist,medical bills
The purpose of this loan is to not have to pay penalties on tax payments, just recently audited. Had to have dental work done to save the teeth, I have left, due to medications for my depression. Since my husband died, I had to make some decisions, that were not the right. I started by putting medical bills on my mortgage, My husband had a bonemarrow transplant (500,000.00+). I had two medical plans that left 40.000 bill and I was to quick to trust (friend?) and got into a quick sale of my home and had to walk away, put the house in forecloser. Then was trying to settle all credit cards with a law firm and paid and paid for 13 months and they settled one account, opted out after still had to go to court and aggreed to pay a payment to a credit card, the law firm was suppose to settle. I had agreed to pay on my second mortgage after losing the house so I was paying that also. I'm not trying to make excuses for my financial picture but I'm trying to explain why my financial situation went bad. I'm in seeing a doctor on a regular basis, part of my decisions were due to this condition I was not aware I had. I'm willing to pay on automatic with drawal if it can be set up every two weeks, or a loan date of the 24 th of every month some times it would be paid early. I recently filed bankruptcy to get out of the second mortgage and the snowball effect. I have a 270.00 payment to the chapter 13 trustee and that's the only payment. My son and his wife and daughter live with me and we share expenses, trying to help each other out with the economy. I kept paying on debts for 2 yrs but they don't put that on my credit they were in collections when I was paying.

MY current bills: rent $1185.00, car ins $98.00, life ins $131.00, phone $120.00, Public Service $126.00, CH #13 $270.00
I will try to pay this loan off early if I can.
Please look at more than the Bankruptcy I tried other ways for 3 yrs before I made the decision. I know how to manage my money. I just did not expect to become a widow with two boys to finish raising at such a young age. Please give me the chance to show I can pay my bills. My contract at the post office? I have a no lay off clause so I have my job untill I don't want it. Sincerely
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1999 Debt/Income ratio: 20%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 5Length of status:3y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 9 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,050Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: respectful-moola3 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
Student 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 455693
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $170.96
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1994 Debt/Income ratio: 10%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:22y 2m
Credit score: 740-759 (Apr-2010) Total credit lines: 49 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $3,967Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: unequivocal-euro 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
Help w/closing on house sale
Purpose of loan:
This loan will be used to? Help pay closing costs on the sale of my house, I am already under contract and scheduled to close May 7. I have all but $5,000 to pay all closing costs ($24,000 total needed). The housing market has plummeted here, and now my house is not worth as much as when I purchased, I need to sell the house, and get out from underneath the mortgage payment, by morally doing the right thing. I just need a little help with the closing costs. Thank You!!My financial situation:I am a good candidate for this loan because?I have always, and will always pay my obligations on time, I have never been late on any bill I have ever had. I take PRIDE in the fact that I can say I have never been late on a payment, and when asked about my credit score I can say it has always been excellent.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455699
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $153.80
 
Auction yield range: 11.04% - 13.00% Estimated loss impact: 10.28%  
Lender servicing fee: 1.00% Estimated return: 2.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:1y 3m
Credit score: 700-719 (Apr-2010) Total credit lines: 18 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $17,898Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: responsibility-sorcerer Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
I will use this loan to?pay off Credit Card Debt?(USAA $4,500) before my wedding and rebuild my credit score.

My financial situation:
I am a good candidate for this loan because I have a great credit history.? Over the past several years I have had a credit score of over 740.? However, a few months ago I asked US Bank to give me a better interest rate.? They gave me 9.9%, much better than the 14.5% I was paying.? But at the same time they reduced my limit by $8,000 because of the crisis.? Thus, my available credit ratio took a dive and negativly effected my credit score.? I am fed up with this system and prefer to pay interest to people rather than large banks that are already getting huge bailouts paid by our taxes.? I plan to repay this loan within one year.? If?my business?keeps?up I will pay it off much sooner.

Monthly net income: average $5,000 (private consultant)

Monthly expenses: $ 2,750
??Housing: $ 800
??Insurance: $ 150
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $1000?= $150 Student?Loan + $500 US Bank?Credit Card+ $350 USAA Credit Card (I pay more than the minimum on the credit cards and they?USAA will?go away with the funding of this loan.)
??Other expenses: $ 250
??Usually the remaining funds I have at the end of the month go into building my consulting business.

NOTE:? My credit score shows $18,000 in revolving debt.? This is not current.? Current debt is $10,000 US Bank Credit Card= $3,500 USAA Credit Card= $4,500?and a business line of credit with US Bank for $2000.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455711
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 31.87% Starting monthly payment: $84.36
 
Auction yield range: 11.04% - 28.50% Estimated loss impact: 10.72%  
Lender servicing fee: 1.00% Estimated return: 17.78%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-2008 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 2 / 2Length of status:1y 11m
Credit score: 660-679 (Apr-2010) Total credit lines: 2 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $1,079Stated 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: elated-wealth8 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
Buying a new car for family transpo
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 455717
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 38.47% Starting monthly payment: $183.22
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2004 Debt/Income ratio: 49%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 15 / 12Length of status:2y 8m
Credit score: 600-619 (Apr-2010) Total credit lines: 25 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $3,978Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jonmurdy2250 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: 22 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
600-619 (Jun-2008)
 
Principal balance: $1,500.44 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Need to consolidate debt
Purpose of loan:
I want to pay off my credit cards a a personal loan plan on buying a house when i get back from deployment.

My financial situation:
I am a good candidate for this loan because? I have always paid my bills on time I make enough money for this loan, I have been serving our country for almost 3 yrs.

Monthly net income: $
4000.00
Monthly expenses: $
??Housing: $ 300.00
??Insurance: $ 0
??Car expenses: $500.00
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 400.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455735
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $343.64
 
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-1995 Debt/Income ratio: 10%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 2Length of status:1y 5m
Credit score: 680-699 (Apr-2010) Total credit lines: 11 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $356Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Timbaboy11 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,560.00< mo. late: 0 ( 0% )  
600-619 (Jul-2007)
580-599 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 31  
Description
Paying Off Debt
Hello,

I am applying for this loan to pay an IRS obligation.? This obligation is for unpaid taxed from 2000 and 2001.? I am a ruturning borrower with and EXCELLENT PAYMENT HISTORY!?I paid off my first Prosper loan ($5,560.00) with not a single late payment over three years!??Please let me know if you have any questions.??I am confident that my excellent track record will?make my loan very attactive to investors out there!

Thanks for your help!

Information in the Description is not verified.