Listing Report:Supplement No. 226 dated Apr 26, 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 422845
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 26.08% Starting borrower rate/APR: 27.08% / 29.42% Starting monthly payment: $817.36
 
Auction yield range: 17.04% - 26.08% Estimated loss impact: 26.51%  
Lender servicing fee: 1.00% Estimated return: -0.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1999 Debt/Income ratio: 59%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 12 / 10Length of status:4y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 69 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $50,952Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: rdweber Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 13 ( 100% ) 640-659 (Latest)
Principal borrowed: $25,000.00< mo. late: 0 ( 0% )  
700-719 (Jul-2008)
620-639 (Jun-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
MBA Student Seeks Help
Purpose of loan:
I'm currently enrolled in the MBA program at the Carlson School of Management at the University of Minnesota.? My employer had been defraying the cost of my tuition, but rapid expansion has led to cost-cutting measures and our tuition-reimbursement program?has been?recently suspended indefinitely.The loan amount I've selected, $20,000, is the approximate out-of-pocket cost of the remaining 3 semesters of my program (net, after low-interest federal student loans).? I had a prosper loan in the past and based on that experience, I'm betting that my APR here will be lower than it would be from a personal loan or private education loan.? I looked into refinancing my mortgage, but my equity has ebbed a good bit in the current housing crunch.

My financial situation:
I have?good credit, and my earnings potential is quite high once my program is complete.? I repaid my previous Prosper loan in 10 months, and I anticipate early-paying this loan as well.? I'm just looking for the flexibility to pay over time at a varied rate without tying up other sources of credit. (I'm not willing to pay for college with a credit card.)

Monthly net income: $ 4500
Monthly expenses: $ 3100??
Housing: $ 1300??
Insurance: $ 170??
Car expenses: $0???
Utilities: $?130??
Phone, cable, internet: $ 250??
Food, entertainment: $ 400??
Clothing, household expenses $ 150??
Credit cards and other loans: $ 500??
Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: 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: $450.65
 
Auction yield range: 11.04% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1999 Debt/Income ratio: 837%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 19 / 17Length of status:0y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 51 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $32,258Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: responsibility-chestnut Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate credit card debt. I am recently divorced and incured credit card debt in the process.

My financial situation:
I am a good candidate for this loan because I am in the financial services industry and always pay my bills on time and early. I have no late or slow pays. I have rental income outside of my employment from two rental properties.

Monthly net income: $

Monthly expenses: $
??Housing: $ 921
??Insurance: $ 100
??Car expenses: $ 405
??Utilities: $?250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700 (paid off with this loan)
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 24.15% Starting monthly payment: $45.21
 
Auction yield range: 14.04% - 20.00% Estimated loss impact: 15.59%  
Lender servicing fee: 1.00% Estimated return: 4.41%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1996 Debt/Income ratio: 26%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 8 / 8Length of status:4y 6m
Credit score: 600-619 (Apr-2010) Total credit lines: 43 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $1,684Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 102%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 13    
Screen name: oldhouesbuff Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
600-619 (Mar-2008)
 
Principal balance: $712.78 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Emergency Bathroom Repair
Purpose of loan:? This loan will be used to pay for an emergency repair to my bathroom at home.
My financial situation:? I have been a customer of Prosper for several years and have established an excellent payment history with no late or missed payments.
I.?
Monthly net income: $ 3,391

Monthly expenses: $
??Housing: $ 680
??Insurance: $ 130
??Car expenses: $ 394
??Utilities: $105?
??Phone, cable, internet: $ 110
??Food, entertainment: $100?
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 265
??Other expenses: $ 0

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 451709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.02% Starting borrower rate/APR: 15.02% / 17.19% Starting monthly payment: $121.36
 
Auction yield range: 4.04% - 14.02% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 11.87%  
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: Feb-1988 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 8Length of status:15y 1m
Credit score: 740-759 (Apr-2010) Total credit lines: 44 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $2,665Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 29%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: believeit Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 28 ( 100% ) 740-759 (Latest)
Principal borrowed: $21,501.00< mo. late: 0 ( 0% )  
700-719 (Mar-2010)
720-739 (Aug-2009)
640-659 (Jul-2008)
680-699 (Sep-2007)
 
Principal balance: $2,920.57 1+ mo. late: 0 ( 0% )
Total payments billed: 28  
Description
good loan history with prosper
Purpose: I have a current Prosper loan with a balance of 2900.00. My monthly net income is?$ 3300?
Monthly expenses:??? ? $?2500
mortgage:????????????????????????????1223
Insurance:???????????????????????????????? 90?????????????????????
Car note:????????????????????????????????342?????
Utilities:????????????????????????????????????80
Phone, cable, internet:????? 120
Food, entertainment:????????245
Clothing/hh?????????????????????? 80
Credit cards:??????????????????????50

monthly??Loans include:?
Bank of America?????????????? 200??





Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453981
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 8.04% Starting borrower rate/APR: 9.04% / 11.13% Starting monthly payment: $381.82
 
Auction yield range: 8.04% - 8.04% Estimated loss impact: 8.66%  
Lender servicing fee: 1.00% Estimated return: -0.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:5y 11m
Credit score: 780-799 (Apr-2010) Total credit lines: 9 Occupation: Retail Management
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: Yes  
Delinquencies in last 7y: 0    
Screen name: the-blooming-bazaar 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
Summer Clothing/Gifts Inventory
Purpose of loan: This loan will be used to import summer clothing/gifts from Thailand for my fair trade import store. We recently went to Thailand for our Christmas season and it was very successful. We get a better mark up when we directly import our inventory from Thailand. We are also able to meet the people that we purchase from so that we can continue our fair trade mission. My financial situation: I am a good candidate for this loan because, besides my store, I have my own property mgmt business. I have great credit, own my duplex, and have a steady job. I intend to pay this loan back with the income from our store, but I am fully prepared to pay it back with my income. Store?s monthly gross inc: $11,000- $16,000 Store?s expenses: undefined Phone, utils, rent, ins, acct, misc : $2850Payroll/tax: $2500Inventory: $4000Store net inc: $1,650-$6,650 My gross monthly Inc.:$4450My monthly exp: $3080My net: $1370I can give you the breakdown of our expenses but I am limited to 1000 characters.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454779
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.38% Starting borrower rate/APR: 29.38% / 31.75% Starting monthly payment: $505.35
 
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: Aug-2000 Debt/Income ratio: 119%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 14Length of status:5y 11m
Credit score: 760-779 (Apr-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 0 Revolving credit balance: $24,026Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: invincible-market5 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
Business expansion
Purpose of loan:
This loan will be used to?
expand my medical transcription business to include a dial-in system for clients.? We also want to expand by adding medical billing to our services.
My financial situation:
I am a good candidate for this loan because?I have always paid my bills on time, and am a highly responsible and respected member of our community.? My company has been in business for 10 years, and is ready to make this expansion.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455289
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $24,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 8.04% Starting borrower rate/APR: 9.04% / 11.13% Starting monthly payment: $763.64
 
Auction yield range: 8.04% - 8.04% Estimated loss impact: 8.66%  
Lender servicing fee: 1.00% Estimated return: -0.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2004 Debt/Income ratio: 27%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:2y 2m
Credit score: 760-779 (Apr-2010) Total credit lines: 14 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $2,099Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: brightest-supreme-wealth 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
Fund My Dream....
Purpose of loan:
This loan will be used to help me realize my dream of purchasing my first investment property. I will use this loan to purchase and renovate a foreclosed home in metro Atlanta.

For months, I have avidly searched for a property within my price range and I recently found the perfect property. I'm a huge fan of micro-lending and I wanted to see if the people of Prosper will allow me to fund my dream. Please feel free to ask any questions.

My financial situation:
I am a good candidate for this loan because I take minimal risks and carefully analyze all decisions before I make them. I do not have a high debt-to-income ratio. I have a full-time job and I also do freelance consulting. Therefore, I feel that by having two income streams I could repay that amount that I borrowed well within the 3 year repayment time frame even if my real estate venture is not successful. I also have a considerable amount of monthly disposable income, so that I feel that I can easily fulfill my monthly debt repayment obligations.

Here's a rough breakdown of my monthly income and expenses:

Net Income:
- Full-time Job: $3600
- Freelance Consulting: $1000-1300

Expenses:
- Mortgage: $1200 * min payment is only $1100, but I pay at least an additional $100 monthly towards my principal
- Utilities (Electric/Water/Sewage): $150
- Revolving Debt (Chain Furniture Store): $100 *min payment is only $50, but I pay $100
- Telephone/Cable/Internet: $150
- Cell Phone: $110
- Car Payment: $350 * I pay an extra $25 monthly
- Food/Entertainment: $350
- Misc : $125
- Car Insurance: $115
- Savings: $500


**Please note:The 4 delinquencies on my credit report are related to a recent gym membership that I canceled. I did my due diligence and submitted the necessary documentation to cancel the family gym membership that I had, however the gym that's based in Norwalk, CA claimed that they never received my cancellation notice nor the required documentation. After rounds of emails, phone calls, and letters the gym persisted in charging my debit card. Therefore, I canceled my debit card and submitted a letter to them explaining why I refused to pay. The gym then reported my lack of payment to credit reporting agencies. I disputed the charges and a few weeks ago I received notice that they wrote of the alleged "debt". I am still disputing the delinquency claim, because I believe that I fulfilled my contractual obligations and submitted the necessary paperwork. I have never been delinquent in any debt repayments and I'm working to clear this from my credit report.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455313
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $424.52
 
Auction yield range: 17.04% - 29.00% Estimated loss impact: 26.69%  
Lender servicing fee: 1.00% Estimated return: 2.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1983 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:7y 4m
Credit score: 660-679 (Apr-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 0 Revolving credit balance: $14,578Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 15    
Screen name: income-emperor4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off due Medical Bills
Purpose of loan:
This loan will be used to pay off some of my medical bills that are now due.? Since?my medical situation began, I have had?a total of?32 days in the hospital; 3?major surgeries; 20 other surgical procedures;14 months total of rehabilitation services; all topped with years of expensive medications averaging $600-$800 a month. What we would?like to do is payoff?the bills that are due immediately before they go to collections; therefore, begin?to put this nightmare behind us.? Even though this has financially ruined us, we are not shirking our responsibilities and have paid and will pay every medical bill down to the penny (our youngest child was also very sick, but?now recovered).??We will put as many of these bills as we can into one monthly payment, we can then start looking?ahead at three college educations and continue to build back up our credit.?A score in the mid-600's indicates how high my score was prior, as a similar credit situation to mine brings in scores of 300 plus.? My credit will continue to?improve?and this?loan will go a long way toward helping.??My prognosis, medically, is very good, as my recent picture shows, so we look forward to this loan being our final step toward putting this nightmare behind us.???????

My financial situation:
I am a good candidate for this loan because, first and foremost, my wife of 24 years is?a Registered Nurse and has had her same high ranking nursing job for 23 years.? In addition to my income, she has a gross income well over $100,000, so there will never be a situation where we cannot pay back?any loan.? ?I am a writer?and have 2 lucrative projects comming to fruition, jsut not fast enough to pay off everything now.?We have lived in Santa Monica for 19 years.? We are very upstanding, very respectable?and very reliable.?There are?many inaccuracies that I am actively?working on correcting in my credit report. One example being the?number of "line of credit? I hold.? I currently have 2 credit cards and a shared?car loan through my wife's credit union, not the 17 lines as stated.??But even with?the inaccuracies, the fact remains?this situation has destroyed our credit. We live a completely cash only basis, except for the 3?credit lines?explained here.? We are not overextended and we always pay every bill, hence our reason for this loan.??There is nothing on my report that indicates I have ever missed or have been late with any payment, and this record will continue for all time.?By investing in me, your are investing in my family, and quite honestly, by investing in my family, you are investing in the future.? For that,?I can't thank you enough for choosing such a wonderful and enriching opportunity for both you and my family.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455347
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $274.92
 
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: Feb-1992 Debt/Income ratio: 192%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 13 / 9Length of status:27y 7m
Credit score: 640-659 (Apr-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 0 Revolving credit balance: $32,311Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: equitable-power9 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
Pagar mis tarjetas
Prop?sito del Pr?stamo:
Este T?rmino Pr?stamo en S? utilizar? El p?rrafo ...

Mi Financiera Situaci?n:
Soy un buen Candidato Para este Pr?stamo, Porque ...

Ingresos Netos Mensuales: $

GASTOS Los Mensuales: $
Vivienda: $
Seguro: $
GASTOS de Coche: $
Utilidades: $
Tel?fono, cable, internet: $
Comida, entretenimiento: $
Prendas de vestir, GASTOS del Hogar $
Tarjetas de Cr?dito Pr?stamos Y OTROS: $
Otros GASTOS: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.40% Starting borrower rate/APR: 18.40% / 20.62% Starting monthly payment: $181.77
 
Auction yield range: 17.04% - 17.40% Estimated loss impact: 25.96%  
Lender servicing fee: 1.00% Estimated return: -8.56%  
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: Apr-2007 Debt/Income ratio: 257%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:0y 5m
Credit score: 660-679 (Apr-2010) Total credit lines: 2 Occupation: Other
Now delinquent: 0 Revolving credit balance: $41Stated 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: orderly-loyalty Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a Used Car
Purpose of loan:
This loan will be used to purchase a used car.

Monthly net income: $400-600

Monthly expenses: $
School loan through Trade School: $ 200 (for a total $ 5,200 left to pay)
Credit Card: $ 500 (will be paid off in 2 weeks)
Phone Bill: $ 100

My financial situation:
I am a good candidate for this loan because I figure if I'm going to bust my chops it might as well be for something worthwhile. Hence, a car. Plus, once I acquire my used car I'll be able to pick up a second job which will give me an extra 900 a month. And once I get out of trade school (Network Admin) this Nov., I should be set financially. I have fair credit because of 1 black mark on my credit score which is a 30 day delinquency. However, I've since been paying on time.

I understand that on paper, I'm a high risk and that even Prosper advises that I can't get a loan worth more than $7,500 based on my credit score. I realize most banks/dealerships (aside from the unscrupulous) won't even look at you if you're monthly income is at a minimum of $1,500... but, I believe I can make those monthly payments. All I need is a chance.

Thank you for viewing my listing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $614.93
 
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-1998 Debt/Income ratio: 58%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 13 / 10Length of status:9y 0m
Credit score: 680-699 (Apr-2010) Total credit lines: 36 Occupation: Other
Now delinquent: 0 Revolving credit balance: $20,210Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: competent-contract4 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
5000,7300,5200
Purpose of loan:
This loan will be used to pay off my debt.

My financial situation:
I am a good candidate for this loan because I am a person who tends to pay at the moment everything is due. ???? ???? ????

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 455479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.79% Starting borrower rate/APR: 24.79% / 27.09% Starting monthly payment: $991.22
 
Auction yield range: 8.04% - 23.79% Estimated loss impact: 6.77%  
Lender servicing fee: 1.00% Estimated return: 17.02%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1972 Debt/Income ratio: 30%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 20 / 20Length of status:16y 7m
Credit score: 800-819 (Apr-2010) Total credit lines: 36 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $24,601Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 31%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: favorable-integrity199 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
Putting in a new a media room
Purpose of loan:
This loan will be used to remodel my gameroom and turn it into a Home theater/media room?which will be used when I host the shepard group from?our church?at our home.

My financial situation:
I am a good candidate for this loan because I have a perfect credit history and the income from my employment as a teacher as well as the income from my business, and Social Security it?will be more than enough to cover the monthly payments for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455481
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 21.01%  
Lender servicing fee: 1.00% Estimated return: 12.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2002 Debt/Income ratio: 27%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 17 / 16Length of status:2y 9m
Credit score: 600-619 (Apr-2010) Total credit lines: 23 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $7,325Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: wombat84 Borrower's state: Minnesota Borrower's group: Computer Professionals, Engineers and Business Startups
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 95% ) 600-619 (Latest)
Principal borrowed: $8,999.00< mo. late: 1 ( 5% )  
600-619 (Jul-2008)
 
Principal balance: $4,472.27 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Debt Consolidation, Expand IT Buss.
Purpose of loan:
This will be my second Prosper Loan.? I have been very happy with my first loan and am 2 years into it.? This loan will be used to consolidate my credit cards into one payment.? This will help me reduce the number of payments as well as reduce the interest rates on my debt.? I am also hoping that decreasing my debt/available credit ratio by transferring my credit card debt to this loan I will increase my credit score.? I am also looking at using some of the funds from this loan to expand my computer consulting business.? My business will be home networking as well as home theater setup. I will start in the local consumer market. This business will just be something on the side that I plan on exploring. I do not plan on quiting my full-time or part-time job.

My financial situation:
I am a good candidate for this loan because I have now graduated from college and have a steady full time job.? My credit score is very important to me so making payments on time is a #1 priority for me.? Within the last year at my current company I received an 8.5% raise in the first 6 months and have been promoted to a new position which has increased my salary 34%.? This shows that I am a very hard working and reliable person.? I also have a part-time job working at a popular electronics store.? I am currently living for free at home with my parents to save money and reduce my college debt.? I am more then welcome to stay there for free for as long as I please.

Monthly net income: $ 3700

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455485
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $248.80
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 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: Jul-1997 Debt/Income ratio: 35%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 3 / 3Length of status:5y 3m
Credit score: 600-619 (Mar-2010) Total credit lines: 28 Occupation: Skilled Labor
Now delinquent: 1 Revolving credit balance: $4,032Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 20    
Screen name: rudi1313 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,300.00< mo. late: 0 ( 0% )  
620-639 (Mar-2008)
 
Principal balance: $1,532.27 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
car
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 455491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $164.12
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1987 Debt/Income ratio: 13%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 2Length of status:7y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 12 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $7,315Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sentimental-truth6 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 tax debt
Purpose of loan:
This loan will be used to?pay a tax debt for 2001 tax year cannot come up with the money all at once,I need to get them off my back.I have been trying to work with them,but they have been impossible.

My financial situation:
I am a good candidate for this loan because I have a great job and steady income,I have been employed at my job for 7 years and 3 months.I work? 40hr+ overtime a week.I am also on commission which ever is higher.My bills are not high,compared to my income.

Monthly net income: $ 2400.00

Monthly expenses: $ 1200.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455497
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $348.23
 
Auction yield range: 17.04% - 18.00% Estimated loss impact: 26.00%  
Lender servicing fee: 1.00% Estimated return: -8.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:10y 1m
Credit score: 660-679 (Apr-2010) Total credit lines: 19 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $7,348Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: reward-sage3 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt
Purpose of loan:
This loan will be used to? consolidate

My financial situation:
I am a good candidate for this loan because? I am never late on any payments and always pay my bills

Monthly net income: $10,000

Monthly expenses: $
??Housing: $754
??Insurance: $ 100.00
??Car expenses: $300.00
??Utilities: $250.00
??Phone, cable, internet: $ 49.00
??Food, entertainment: $400
??Clothing, household expenses $100.00?
??Credit cards and other loans: $226.00
??Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455505
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1990 Debt/Income ratio: 67%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 18 / 18Length of status:11y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 40 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $14,617Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: calm-transaction3 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit cards
Purpose of loan:
This loan is to conslidate all ills to help my husbnad and myself to buy a Condo

My financial situation:
I am a good candidate for this loan because?
I have very good credit. I have always paid by bills on time .
Monthly net income: $ 1650.00

Monthly expenses: $
??Housing: $ 356.00
??Insurance: $ 167.00
??Car expenses: $130.00
??Utilities: $ 0


??Phone, cable, internet: $ 0
??Food, entertainment: $ 200.00
??Clothing, household expenses $600.00
??Credit cards and other loans: $400.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455509
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 24.87% Starting monthly payment: $37.71
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1994 Debt/Income ratio: 44%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 3 / 3Length of status:1y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 27 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $647 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 16    
Screen name: subtle-p2p7 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Repairing car so I can work
Purpose of loan:
To pay for unexpected major car repairs when I just had major repairs 9 months ago for more than five hundred dollars.?? I also need to pay my rent this month so the money I may need to use fixing my car so I can get to work may cost me my rent money and leave me to face eviction from my apartment.

tuation:
I am a good candidate for this loan because I?take my work seriously as a source of income to pay my bills as best that I am able.? If I am without a car then I am more limited in my ability to be gainfully employed.? That would translate into saying that I would also take very seriously paying back any assistance I am provided to have a dependable car.? In addition to the listed income that can be verified through paystubs, I also work on a partially cash basis for building cleaning services of a few hundred dollars income per month (re-negotiated recently for more work, pay not yet set or decided).

thly net income: $ 950

Monthly expenses: $
??Housing: $ 511
??Insurance: $ 54
??Car expenses: $ 0
??Utilities: $?75
??Phone, cable, internet: $ 125
??Food, entertainment: $ 100
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455521
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.94% Starting borrower rate/APR: 18.94% / 21.16% Starting monthly payment: $512.76
 
Auction yield range: 17.04% - 17.94% Estimated loss impact: 19.00%  
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: Sep-2000 Debt/Income ratio: 30%
Basic (1-10): 5 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:2y 10m
Credit score: 700-719 (Apr-2010) Total credit lines: 44 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $29,067Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: invincible-bill Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off engagement ring & CC
Purpose of loan:
This loan will be used to consolidate my current debt and help me take a step towards eliminating my debt.

My financial situation:
I am a good candidate for this loan because I have a never missed or been late on a payment in my life.? I look forward to you consolidating my debt and paying it off quickly.

Monthly net income: $ 5166

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 100
??Car expenses: $ 382
??Utilities: $ 125????????????????
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455523
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $392.33
 
Auction yield range: 8.04% - 23.00% Estimated loss impact: 6.74%  
Lender servicing fee: 1.00% Estimated return: 16.26%  
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-1979 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:7y 1m
Credit score: 800-819 (Mar-2010) Total credit lines: 29 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $939Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: coin-relaxation0 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
SET HIGH RATE TO GET YOUR ATTENTION
Purpose of loan:

I have owned my University of Texas bookstore for 2 years and was profitable from the start. We just negotiated a below market rate deal for a better location for our store.? The new location will increase our visibility and revenue. The problem is that we have to make the move right when we have spent all our money buying books back from students.? We will not have the extra $10,000 to spare to up up the first and last months rent.? I will not get my current security deposit back for 30 to 60 days.? Additionally, we will not cash out our investment in books until late August. So, cash is tight.

I have noticed that high interest rate loans seem to be the ones funded.? My last attempt to get funding came in a little over 9% because of my high credit rating.? I purposely pumped the rate up to get your attention and help.

My Financial Situation:
I am personally debt free. I own my home and my car 100%. I have co-signed loans for my daughters for their cars, though they pay the notes.? In a nut shell, I live within my means.? On the business side, I have no outstanding obligations.? All, Payroll taxes, rent, monthly bills are paid current.? The only time I incur debt is when I finance book buybacks, or buy new textbooks on account with publishers.

SO, YOUR INVESTING WITH ME IS PRETTY SAFE. FEEL FREE TO ASK ME ANY QUESTIONS. I WILL GET BACK TO YOU PROMPTLY.? LET YOUR FRIENDS KNOW ABOUT ME SO WE CAN GET THIS FUNDED.? THE STUDENTS WILL BE THE REAL WINNERS!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455527
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1998 Debt/Income ratio: 38%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 4Length of status:3y 10m
Credit score: 740-759 (Apr-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 0 Revolving credit balance: $19,043Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: TJGypsy 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
Clawing my way out of debt
Purpose of loan:
This loan will be used to? pay off credit card debt

My financial situation:
I am slowly but surely paying off my credit card debt.? I'd much rather pay YOU 15% than pay THEM 30%!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455535
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $904.72
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2002 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:1y 11m
Credit score: 660-679 (Apr-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 4 Revolving credit balance: $504Stated income:$25,000-$49,999
Amount delinquent: $2,062 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: poguemahone Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
20,000.00 to lease martini lounge
Purpose of loan:
To pay lease for the first two months, 6-7k to restock, insurance, and advertising.? Previous owner closed the martini lounge about a month ago, there is a lot of potential and was already profitable at time of close.? It is in a high traffic area and about 1/2 mile from a busy Walmart.

My financial situation:
I have worked up my credit score from a 525 over the past five years.? I made mistakes when I was in college and have learned to be more financially aware.? Besides my income since I am going to work and run the bar with two partners there shouldn't be any issue repaying a loan. Besides that my wife is an RN and also has a substantial income.
Monthly net income: $ 5350.00

Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 100.00
??Car expenses: $ 400.00
??Utilities: $ 350.00
??Phone, cable, internet: $125.00
??Food, entertainment: $ 650.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455547
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.52% Starting borrower rate/APR: 27.52% / 29.86% Starting monthly payment: $106.87
 
Auction yield range: 11.04% - 26.52% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1991 Debt/Income ratio: 22%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 6Length of status:4y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 28 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $13,258Stated income:$75,000-$99,999
Amount delinquent: $7,887 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: justlanc Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 0 ( 0% ) 680-699 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
820-839 (Feb-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 0  
Description
Taking some college classes
Prosper worked well once before... so i really want to give it another shot!

I am not a credit risk, but have run?into slower times.?I am a home owner, professional business man, and very?upset about allowing my credit to suffer from recent home mortgage issues.? I am a former Navy Officer (Reserves now) and part time College Professor.? I have too much at stake to default?on any loans.

I?would like to use this loan to take some college classes.? The Navy GI Bill reimburses me $1300/month being enrolled full time.... but i need to pay tuition for the end of this semester and the start of the next semester.? While they do "defer" it a little bit, i need some money to get things moving.

Upon successful completion of this venture, I would also like to use the new funds to pay off the high rate that some of my credit cards have experienced lately.? I have basically quit using the credit cards and would like to eliminate the high interest fees that i am still paying... and wasting money on.

I have been a Prosper investor for several years, and unfortunately have seen many of my loans go unpaid.? I would not be one of those persons, as i have experienced first hand? the feeling.?

Use me as that SAFE / GUARANTEED return on your money!? And bid low to make sure you get in on this sure thing! :-)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $693.31
 
Auction yield range: 11.04% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1990 Debt/Income ratio: 37%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:0y 4m
Credit score: 760-779 (Apr-2010) Total credit lines: 40 Occupation: Psychologist
Now delinquent: 0 Revolving credit balance: $34,902Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: credit-revolutionary0 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate debt and pay off higher interest credit cards.?

My financial situation:
I am a good candidate for this loan because I have a stable employment history, am currently employed full-time, and have excellent credit with all accounts being current.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455553
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 21.93% Starting borrower rate/APR: 22.93% / 25.21% Starting monthly payment: $386.73
 
Auction yield range: 8.04% - 21.93% Estimated loss impact: 7.52%  
Lender servicing fee: 1.00% Estimated return: 14.41%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1975 Debt/Income ratio: 77%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 31 / 27Length of status:0y 1m
Credit score: 780-799 (Mar-2010) Total credit lines: 96 Occupation: Other
Now delinquent: 0 Revolving credit balance: $66,413Stated 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: judust 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: 1 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
780-799 (Feb-2010)
780-799 (Nov-2009)
680-699 (Sep-2008)
720-739 (Nov-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 1  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate credit card debt in to one monthly payment.? I would
like to have just one monthly obligation rather than several as well as getting the balances
paid off sooner which is what will happen with a Prosper loan.? Currently none of the balances I am hoping to payoff has an interest rate higher than 17%.? As I normally pay more than the minimum payment each month the Prosper loan with one monthly payment will be much easier to handle.? Hopefully there will be a better interest rate with Prosper.?? I have just retired from a job I held with the same company for 40 years.? I have started another job so I still have good income. ?My spouse is?employed and has been with the same company for 39 years.? My spouse will not be leaving the company for at least another 7 to 8 yrs.? There is no chance of a layoff in his position.? I am including this information to let all know that I have a good steady monthly income that will afford me to repay the Prosper loan.? My goal is to become debt free and this loan is a giant step towards that goal.

My financial situation:
I am a good candidate for this loan? I have a stellar payment history and very good credit.? I pride myself on taking care of my financial obligations.? I have no negative information on my credit
report whatsoever.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455557
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.00% / 38.47% Starting monthly payment: $343.53
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1997 Debt/Income ratio: 29%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 7 / 8Length of status:4y 11m
Credit score: 680-699 (Mar-2010) Total credit lines: 27 Occupation: Clerical
Now delinquent: 2 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $5,524 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: Boiselady Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
640-659 (Feb-2010)
660-679 (Jan-2010)
680-699 (Dec-2009)
680-699 (Nov-2009)
 
Principal balance: $1,598.07 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
#30 Relist for 2nd loanStill trying
Purpose of loan:
This loan will be used to? help pay my cc debt and now we need some home improvement. Kitchen dishwasher was leaking and ruined the underlayment, so we need that replaced, downstairs bathroom leaking around seal, needs to be dried out and stripped and new flooring.I increased the amount from the previous listing because as the old expression goes:Smile, things could get worse, and they have. it feels like my world is falling apart and I could certainly use your help. I have listed 30 times and to date.I haven't had any luck, PLEASE consider my listing.

My financial situation:
I am a good candidate for this loan because?? Please help me. I have always tried to pay my immediate obligations and by paying down my cc debt my financial and dti will be better and I will have more to pay off any additional debt. I am current on my present Prosper loan and have had no late payments and have never missed one either.Thanks for your consideration. The delinquencies have been resolved.? I would like to thank previous bidders.


Monthly net income: $ 3892

Monthly expenses: $ 3675
??Housing: $ 1700
??Insurance: $ 150
??Car expenses: $ 50
??Utilities: $ 300
??Phone, cable, internet: $ 25
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1150
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455569
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $260.15
 
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: Nov-1999 Debt/Income ratio: 32%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 16Length of status:20y 7m
Credit score: 660-679 (Apr-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $47,804Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Casharose Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $1,558.29 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Paying off credit cards
We would like to consolidate as much of our credit cards (and pay off our current prosper loan) so we can have just one monthly payment. I know we have alot of credit, but we always pay our bills on time. We have 2 children and a granddaughter and a good portion of our credit usually goes to help them fix their cars or help them out with their finances when they need it, but we do always make sure we get the bills paid and when they pay as back we put it right back on the cards we used. If we got a majority of our cards paid off then we can just use our savings to help them out when needed instead of charging. I know $7000.00 wont pay off all of our cards but it reduce a good portion of them so we can concentrate on the large amount cards.. We have got raises, and I got a promotion a year ago at work so we really want to be able to budget our money even better. We are both at the same employers, approx 20 years. My yearly base salary is now 70,100.00 and my spouses is $66.456.00. With $7000.00, we would pay off our current prosper Loan and apply the rest to the cards. Calculating at 14% interest we wouldn't be paying out any more money then were are now, we'd still be paying out the same but we would be getting the bills paid alot sooner. We have done alot of home improvements over the last year and now we just want to start reducing our debt.

Our other monthly expenses are:
Car Insurance: $300.00 (In May my son will be getting his own insurance so our monthly payment will go down $147.00)
Car Loan $385.00(which gets automatically deducted from my spouses pay check)
Utilites: $150.00
Phone/Cable/Internet-$77.00
Life Insurance -$65.00/month
College loans(for son) $100.00

Thank you for time time in reviewing my request
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455571
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.43% Starting borrower rate/APR: 12.43% / 12.78% Starting monthly payment: $334.20
 
Auction yield range: 3.04% - 11.43% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.92%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1996 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:0y 8m
Credit score: 800-819 (Apr-2010) Total credit lines: 42Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $20,682 
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: hopeful-asset Borrower's state: California Borrower's group: Friends of Barbary Coast Consulting
Credit and homeownership information was obtained from 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 AN ENGAGEMENT RING
Dear Sir or Madam,

Thank you so much for considering my loan request. I am very excited to embark on a new adventure into marriage, and thanks to my brother-in-law (who mentioned this site to me), I may possibly do so with less of an immediate blow to my wallet. It may help that you know a little about me first.

I am a United States Air Force combat veteran, serving honorably in the military for eight years. Upon fulfilling my military commitment, I entered law school, where I am now about to graduate (I know, insert greedy lawyer joke here). I have yet to secure employment in this economy, yet I have strong credentials from school, and will be graduating in the top third of my class. I also have excellent credit, and have never been refused any type of financing. As I have learned in the military and in my personal life, integrity is essential. Thus, I am a man of my word.

My girlfriend and I have dated throughout law school, and I know that this is the right decision. We are supported by all of our friends and family and this is my first step in this new path of life. She is an amazing woman and I truly love her with all of my heart.

I appreciate Prosper?s desire to foster community and help others in its peer to peer lending approach. I am anxious to be on the other side of the formula, where I can loan funds to ambitious young individuals who will be our future leaders in society. This domestic micro-finance concept is a great opportunity that is bound to stimulate economic growth.

If you lend me money, I promise I will pay back in a timely fashion. My service background, chosen profession, and my personal character demands nothing less (Plus my brother-in-law will break my kneecaps if I ever would default).

Thanks again for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455575
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $452.16
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1993 Debt/Income ratio: 47%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:0y 6m
Credit score: 720-739 (Apr-2010) Total credit lines: 10 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $3,687Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: refined-kindness8 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
Put All Into One
Purpose of loan:
This loan will be used to? Put all?of my current debt into one monthly payment with what I would hope to be a much lower interest rate. I have become interested in doing some reeducation in the technology field. This would require some finances for tuition of various courses and a the purchase of a significant upgrade over my current computer system.
an
My financial situation:
I am a good candidate for this loan because?I am?an honest, hard working reliable person that does not bite off more than I can chew. You will notice I have no huge debt. That?is a fact I am extremely proud of. My bills have always been paid first. I normally save and pay cash. My current living situation is perfect for this transformation in my life at this time. I have no monthly living expenses at this time. I am residing with my daughter and son in law while she attends colledge. So I help them out?for room and board. They say it's my time to shine. I thank you for any consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455577
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.50% Starting borrower rate/APR: 18.50% / 20.72% Starting monthly payment: $182.02
 
Auction yield range: 17.04% - 17.50% Estimated loss impact: 35.47%  
Lender servicing fee: 1.00% Estimated return: -17.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1994 Debt/Income ratio: 15%
Basic (1-10): 1 Inquiries last 6m: 8Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 5Length of status:0y 4m
Credit score: 660-679 (Apr-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,442Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: invincible-auction 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
pay 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 455581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $212.61
 
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: Jul-2001 Debt/Income ratio: 43%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 12Length of status:4y 2m
Credit score: 600-619 (Apr-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 1 Revolving credit balance: $4,460Stated income:$25,000-$49,999
Amount delinquent: $1,496 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 38    
Screen name: ghennessy 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 / 1 On-time: 26 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
520-539 (Feb-2008)
520-539 (Jan-2008)
520-539 (Nov-2007)
520-539 (Oct-2007)
 
Principal balance: $516.32 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
Single mother going to school
Purpose of loan:
I am trying to? afford the rest of my schooling which I have about a year left. I am majoring in business and need the finances to finish schooling. I really need this loan to move forward in life. I had a few bad early years when I was 18 as far as credit was concerned?but the last?5 to?6 years I have greatly improved my financial situation and am more responsible and would really appreciate it if someone could help me out at this point in my life....thanks so much in advance for helping me out.

My financial situation:
I am an insurance agent for State Farm Insurance and have been here for?over five?years.? I pay all the bills I have on time which includes my car payment
Monthly net income: $ 2690

Monthly expenses: $
??Housing: $ 450
??Insurance: $?65
??Car expenses: $?320
??Utilities: $?25.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ $100.00
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 75

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455583
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $253.21
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2008 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Not employed
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:0y 6m
Credit score: 680-699 (Apr-2010) Total credit lines: 10Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $455 
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: top-wampum-delight 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
Buying a car that will last
Purpose of loan:
This loan will be used to? Buy a car that will last me throughout Grad and/or Med school

My financial situation:
I am a good candidate for this loan because? I come from an unfortunate situation. My parents aren't able to help me out with anything. They do not have the funds. It is also hard to put someone else in the position to ask them to co-sign because I dont think I would either if I was struggling. I currently put myself through college on a friend that co-signed for me back home, but he is not willing to cosign anymore so I am left on my own to buy a car and pay for school. But I'm a driven 20 year-old who will find some way to stay in school and replace my vehicle that was totaled (I was the victim). Because education is the most important thing these days.
Monthly net income: $ 200 from my dad. My parents try to help as much as they can since I take care of everything else.

Monthly expenses: $
??Housing: $ 475
??Insurance: $ Parents
??Car expenses: $ No car at this time. Reason for the loan
??Utilities: $ 20
??Phone, cable, internet: $ Rent ????
??Food, entertainment: $ 50/ Month
??Clothing, household expenses $ 100/month
??Credit cards and other loans: $ No credit card balance. But I have a 40,000 student loan that will be paid once out of school.
??Other expenses: $ Was broken into 4 times and have to replace some things
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455593
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.30% Starting borrower rate/APR: 8.30% / 8.64% Starting monthly payment: $786.87
 
Auction yield range: 3.04% - 7.30% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1996 Debt/Income ratio: 21%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:2y 11m
Credit score: 820-839 (Apr-2010) Total credit lines: 38 Occupation: Tradesman - Electri...
Now delinquent: 0 Revolving credit balance: $9,418Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: organic-community1 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
kitchen/bath upgrade
Purpose of loan:
This loan will be used to?

My financial situation:
strong financial situation.? I work for the government as a civilian.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455599
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1961 Debt/Income ratio: 51%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 10 / 5Length of status:1y 7m
Credit score: 640-659 (Apr-2010) Total credit lines: 26Stated income:$1-$24,999
Now delinquent: 0 Revolving credit balance: $714 
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 24    
Screen name: credit-bluebird0 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off loans-raise credit score
Purpose of loan:
This loan will be used to?pay off loans I had to apply for because of unexpected expenses.?

My financial situation:
I am a good candidate for this loan because?it is very important to me to keep my bills and payments paid off. I have?had to file for bankruptcy in the past.?After filing for bankruptcy, my credit score has remained in the fair to good category?.?The first and only time I ever had to do that?and?since then I have kept all my bills?paid.?By paying off the loans I would only have one payment to make and it would help to raise my?credit score. This is very important to me. I also receive two pension checks? (after my husband passed away) that were not listed?in my personal information.? They total $1,014.28 per month.?

Monthly net income: $2,130.28

Monthly expenses: $1,425.45?
??Housing: $412.78
??Insurance: $111.67
??Car expenses: $ 40.00 for gas. The car is paid for.
??Utilities: $72.00
??Phone, cable, internet: $130.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $50.00
??Credit cards and other loans: $600.00
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455605
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
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: 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-2000 Debt/Income ratio: 28%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 6Length of status:17y 3m
Credit score: 720-739 (Apr-2010) Total credit lines: 46 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $2,837Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: debtfreesoon2008 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 100% ) 720-739 (Latest)
Principal borrowed: $15,000.00< mo. late: 0 ( 0% )  
680-699 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Car Consolidation
Purpose of loan:
I currently have 3 vehicles. A car, truck and motorcycle. I am currently upside-down?on the loans for the motorcycle and the truck,?This loan will be used to pay the difference so the two vehicles can be sold.?The rest of the?loan will be used to Pay off the?car.

My financial situation:
I am a good candidate for this loan because I can pay the money back on time!!!?
This is my second Prosper Loan, This first one I had automatically deducted monthly from checking account and paid it off early!

Monthly net income: $ 7200.

Monthly expenses: $? Before Loan
Housing: $?1450
??Car Insurance: $ 300
??Car expenses: $ 1785
??Utilities: $ 150
??Cell Phones, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 100????
??Credit cards: $?50??
??Gas expenses: $ 400

Monthly expenses: $ After Loan
??Prosper Loan: $? ???
? Housing: $?1300
??Car Insurance: $ 100
??Car expenses: $?0
??Utilities: $ 150
??Cell Phones, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 100???
??Credit cards: $?50?
??Gas expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455613
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $397.60
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 35.88%  
Lender servicing fee: 1.00% Estimated return: -11.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1996 Debt/Income ratio: 49%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 4 / 4Length of status:0y 10m
Credit score: 660-679 (Apr-2010) Total credit lines: 18 Occupation: Laborer
Now delinquent: 1 Revolving credit balance: $5,886Stated income:$1-$24,999
Amount delinquent: $7,165 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 25    
Screen name: 1Kindwolf 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: 25 ( 93% ) 660-679 (Latest)
Principal borrowed: $4,000.00< mo. late: 1 ( 4% )  
640-659 (Oct-2007)
 
Principal balance: $0.00 1+ mo. late: 1 ( 4% )
Total payments billed: 27  
Description
Consolidating debt into one payment
Purpose of loan:
This loan will be used to consolidate my bills into one payment.

My financial situation:
I was bit by the unemployment bug in the fall of 2008. It took me 8 months to find a new job. I am now back in the field that I have been in most of my working career, office services. The company I am employed with just renewed the contract, for?3 years, at the account I am serving.? I have also been asked to partake in the management training program.
I am a good candidate for this loan because I have had a prosper loan before and paid it in full.

Monthly net income: $ 1919.00

Monthly expenses: $
??Housing: $ 360
??Insurance: $ 116.57
??Car expenses: $ 125
??Utilities: $?91.20
??Phone, cable, internet: $ 98.45
??Food, entertainment: $ 175.00
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 378.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455617
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $192.84
 
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: Feb-2001 Debt/Income ratio: 16%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:3y 1m
Credit score: 680-699 (Apr-2010) Total credit lines: 10 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $2,416Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: timclemons2002 Borrower's state: Georgia Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards .
Purpose of loan:
To pay off my credit cards and one citibank loan to create one monthly payment.

My financial situation:
I have a solid stable 40 hour a week job. And I'm a hard worker who pays on his debts by the due date. I work as a collector I know the importance of paying bills.

Monthly net income: $ 1825.64

Monthly expenses: $
??Housing: $ 600.00 a month
??Insurance: $ 60.00
? ? Utilities: $ Included with rent. I rent from family works out pretty well.
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 200.00
? Credit cards and other loans: $ 265

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455625
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1991 Debt/Income ratio: 26%
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 6Length of status:2y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 41 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $1,169Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: snowdogminn Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 46 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
620-639 (Jul-2008)
640-659 (Apr-2008)
640-659 (Oct-2007)
 
Principal balance: $1,057.35 1+ mo. late: 0 ( 0% )
Total payments billed: 46  
Description
Need a Debt Cosolidation Loan
Purposes of Loan: Debt Consolidation. I currently work for the third largest bank in the U.S. as an Assistant Vice President and & Trust Officer. I have been in the trust field for over two decades. My 2009 salary plus bonus was $75,044.07. We are consolidating the remaining outstanding debt we have other than a auto loan and student loan. Our risk level on Prosper does not correspond with our actual credit report data. We have twelve revolving credit accounts open and all are under $1,200.00 and the interest rates are outrageous! We recently paid off in full another Prosper loan we have and the remaining loan is in good standing and we have never missed any payments.

Rent $1099.00
Auto Loan $ 445.02
Student Loan $ 145.00
Utilities $ 125.00
Credit Card $ 500.00
Auto Insurance $ 100.00

Gross Monthly Salary - Myself $5058.74
Net Monthly Salary After Taxes/Benefits $3310.00

Wife's eBay Business $1200.00

Total Income $4510.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $150.82
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1998 Debt/Income ratio: 51%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 7Length of status:2y 2m
Credit score: 640-659 (Apr-2010) Total credit lines: 39 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $1,574Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: visionary-investment7 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
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 455631
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 21.22% Starting monthly payment: $439.87
 
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: Nov-1995 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:4y 1m
Credit score: 700-719 (Apr-2010) Total credit lines: 10 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $2,173Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 15%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: authentic-benefit4 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
Addition to house
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 455635
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 24.55% Starting borrower rate/APR: 25.55% / 27.86% Starting monthly payment: $248.32
 
Auction yield range: 11.04% - 24.55% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 13.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1997 Debt/Income ratio: 31%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 6Length of status:4y 3m
Credit score: 700-719 (Apr-2010) Total credit lines: 25 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $9,281Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: upright-loyalty7 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
summer fun
Purpose of loan:
This loan will be used to?
purchase a local travel trailer so I can take my wife and kids camping.
My financial situation:
I am a good candidate for this loan because?
I am finacially stable and will probable pay the loan off prior to its maturity.
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 455637
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 24.87% Starting monthly payment: $37.71
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1986 Debt/Income ratio: 46%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 19 / 15Length of status:2y 9m
Credit score: 660-679 (Apr-2010) Total credit lines: 46 Occupation: Nurse (RN)
Now delinquent: 1 Revolving credit balance: $8,135Stated income:$50,000-$74,999
Amount delinquent: $397 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: legendlime Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
620-639 (May-2008)
 
Principal balance: $1,124.47 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Senior Class trip for my Son
Purpose of loan:
?To send our son on his Senior class trip to New York City!?? He is a good student and has worked part time since age 15.. 18 now, and off to College after May graduation.
My financial situation:
I am a good candidate for this loan because? We have debt, but always pay bills, and have ethical standards regarding credit.
I have been an R.N. Since 1980, and currently am working again for the same employer that I did from 1987- 2003.
I have been Married for?20 yrs, and our MONTHLY NET INCOME IS : 7000-8000.

Monthly expenses: $
??Housing: $ 1933.00
??Insurance: $?325
??Car expenses: $?900
??Utilities: $?500
??Phone, cable, internet: $ 200
??Food, entertainment: $?900
??Clothing, household expenses $ 50
??Credit cards and other loans: $?800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455647
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $874.64
 
Auction yield range: 11.04% - 31.32% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1991 Debt/Income ratio: 28%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:11y 0m
Credit score: 740-759 (Apr-2010) Total credit lines: 28 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $42,413Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: yougotit6 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: 0 / 2 On-time: 7 ( 100% ) 740-759 (Latest)
Principal borrowed: $30,000.00< mo. late: 0 ( 0% )  
720-739 (Apr-2008)
720-739 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 7  
Description
fresh start
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455649
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $24,999.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.86
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 10 / 2Length of status:2y 11m
Credit score: 720-739 (Apr-2010) Total credit lines: 41 Occupation: Investor
Now delinquent: 0 Revolving credit balance: $78,151Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: TrustDeedsInvestor Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 720-739 (Latest)
Principal borrowed: $25,000.00< mo. late: 0 ( 0% )  
640-659 (Jan-2007)
660-679 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 1  
Description
Buying a Detached Condominium in CA
Hi,

I am a Real Estate investor. I live in California, and plan to buy a condominium for $125,000 in California to live in. I have over $100,000 in cash available, but, because I am self employed and have high credit cards payments, I do not qualify for a bank mortgage. That's where Prosper's $24,999 loans come in handy.

Make this loan, and you will be glad you did ! You will get a great return. With no risk. I borrowed using Prosper 3 years ago, and have paid back every cent I borrowed plus interest.

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455659
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 11 / 9Length of status:3y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 36 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $14,566Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: thorough-marketplace0 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Low Risk $400K/Yr - See Reports -CF
Thank you for your recent bids on my last loan request for $7500 which was 100% funded within a few days.? I'm resubmitting my request to receive a lower interest rate...(see link below).

PREVIOUS LOAN LISTING DETAILS


Purpose of loan:
This loan will be used to? to improve my cash flow for my internet business.? I currently retail over $400,000 annually
and am growing so quickly that I cannot fill my existing orders.? I feel blessed to be
in this position.? My gross margins approach 50% and I'm netting 20% of my gross after all
expenses are paid.

I have an accounts receivables from a major online retail marketplace which hold my funds for
21 days before release.? I need access to this capital to fund my growth.? They hold 5k-10k at
all times before releasing it, in order to account for any charge-backs that may occur.? My
charge-back rate is less then 1% of my gross sales.
I have live links to the following:


CREDIT CARD PAYMENTS WITHIN 90 DAYS

FUNDS PENDING 21 DAY HOLD

PAYPAL AS MERCHANT MONTHLY SALES REPORT (LAST 30 DAYS)

My financial situation:
I am a good candidate for this loan because?Annual Combined Income: $150K....My portion is 80k or $6700.00 per month.

Personal Expenses:

Car - Own Honda/CRV, no payments
Student Loan - $175/mo
Mortgage - $1247.00
Maintenance: $311.00/mo
Utilities: $300 includes cellphone/electric/cable
Car Insurance: $135.00/mo
Home Insurance: $138.00/mo
Life Insurance: $159.00/mo
Food: $500.00/mo

Total Expense = $2827.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1988 Debt/Income ratio: 16%
Basic (1-10): 5 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:15y 5m
Credit score: 700-719 (Apr-2010) Total credit lines: 20 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $3,644Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 9    
Screen name: brightest-loan-cypress 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
Engagement Ring Please
Purpose of loan:
This loan will be used to?
To Purchase an engagment ring
My financial situation:
I am a good candidate for this loan because? I am a good candidate for this loan because I have been working for the same company for over fifteen years, I make 52,000.00 yearly salary. I had to claim bankruptcy six and a half years ago, proving to be my biggest mistake ever, but in six more months this will fall off my credit report, bringing my score back up to a 700 range.? I have a great credit history the past six years and promise this will continue. I have tried tratitional loans with no luck so I am hoping someone will please help me out. I thankyou for considering my loan?

Monthly expenses: $?????????
??Housing: $ 850.00
??Insurance: $ 110.00
??Car expenses: $ 340.00??Phone, cable,???Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,777.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $389.83
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 8Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 3 / 3Length of status:3y 2m
Credit score: 640-659 (Apr-2010) Total credit lines: 15 Occupation: Sales - Retail
Now delinquent: 1 Revolving credit balance: $452Stated income:$0
Amount delinquent: $392 Bankcard utilization: 162%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: wonderous-bid0 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
"The Secret"
Purpose of loan:
This loan will be used to?
Build a new website for my new online retail store and purchase inventory

My financial situation:
I am a good candidate for this loan because?
I have learned my lesson in the past about not paying bills on time and I now have credit cards with low utilization percentages.? I recently read a book called "The Secret" I decided to take the authors advice and go out on a limb and ask for what I want.? I really want to work for myself but I need your help. I realize that I can't become financially prosperous (like my play on words) by working for someonelse. I can do it!
Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 40
??Car expenses: $ 0
??Utilities: $ 70
??Phone, cable, internet: $ 35
??Food, entertainment: $?50
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 20
??Other expenses: $ 15
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455673
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1993 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 19 / 19Length of status:1y 7m
Credit score: 780-799 (Apr-2010) Total credit lines: 57 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $36,443Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 59%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sharp-reward9 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
Consolidate credit cards
Purpose of loan:
This loan will be used to?
Consolidate and pay off credit card debt.
My financial situation:
I am a good candidate for this loan because?
I am professionally employed and have a good, steady income.? I have no payment delinquencies and have always paid more than the minimums on my accounts.? However, I am a single parent that is financing my child's college education and that has made things a little tight.? In order to finance the education, I needed to take out student loans, which are now due for repayment.? In order to meet these obligations, I would like to consolidate the credit card balances I have into one monthly amount so I can streamline my finances.? I do not want to be in a situation where I have to use my credit cards in order to cover the gap in my expenses each month.? This loan will give me the added layer of support I need in order to get my finances back on track again.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,250.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $282.73
 
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: Jul-1994 Debt/Income ratio: 20%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 3Length of status:4y 0m
Credit score: 600-619 (Apr-2010) Total credit lines: 12 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $1,324Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 165%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: jobear Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 90% ) 600-619 (Latest)
Principal borrowed: $4,300.00< mo. late: 3 ( 10% )  
600-619 (Mar-2010)
600-619 (Feb-2010)
600-619 (Dec-2009)
640-659 (Sep-2007)
 
Principal balance: $942.80 1+ mo. late: 0 ( 0% )
Total payments billed: 30  
Description
Trying to get away from debt
Purpose of loan:
The purpose of my second loan is to lump my high interest credit card bills and personal loans into one payment.? Recently, a person from Capital One Visa actually obtained a family member's private cell phone number and after contacting them proceeded to give them confidential details about my account.? Furious with this company, I cut up the credit card immediately.? I owe $1600 on this account and I want to make these people go away.? I make my payments to my accounts trying to pay a little more than the minimum amount due, but they just don't seem to go down.? By borrowing through prosper, I would have one loan due out, and this would be paid off in three years.?

My financial situation:
This would be my second loan with Prosper.? My credit score is not the?greatest due to?my filing?bankruptcy in 2004, which was discharged.? This bankruptcy was the result of my closing a small coffee shop that I owned.? I've made a few bad financial decisions in the last couple of years and my credit has taken another beating.? On 3/4/2010 I received a promotion at the company that I have been with now for 4 years.? I have received a nice raise and have been re-assigned to a location much closer to home.? Prosper has helped me once and I hope can help me again.? I refuse to give up.

I appreciate the time you have taken to read my request and hope that even though I am listed as "high risk", you give my loan consideration.




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455685
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $253.07
 
Auction yield range: 11.04% - 17.00% Estimated loss impact: 10.40%  
Lender servicing fee: 1.00% Estimated return: 6.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1984 Debt/Income ratio: 15%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:1y 11m
Credit score: 700-719 (Apr-2010) Total credit lines: 38 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $9,423Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 9    
Screen name: enriched-integrity5 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off high interest credit cards.

My financial situation:
I am a good candidate for this loan because I pay ALL of my bills on time.? I have an excellent employment history and my job is stable.?

Monthly net income: $ 4100

Monthly expenses: $
??Housing: $ 1450
??Insurance: $ 112
??Car expenses: $ 150
??Utilities: $?75
??Phone, cable, internet: $ 130
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 550
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455689
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $220.91
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1994 Debt/Income ratio: 13%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:32y 5m
Credit score: 800-819 (Apr-2010) Total credit lines: 26 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $1,536Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: joyous-deal8 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Credit Card
Purpose of loan:
This loan will be used to? Used to pay off high interest credit card

My financial situation:
I am a good candidate for this loan because? I been employed with the same compay for 32 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,200.00 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: $102.33
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2002 Debt/Income ratio: 39%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 8Length of status:0y 0m
Credit score: 720-739 (Apr-2010) Total credit lines: 14 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,054Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 2%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sweet-contract Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New Hardwood Flooring
Purpose of loan:
This loan will be used to? update the look of my condo.? By adding new flooring and updating the look in the kitchen.

My financial situation:
I am a good candidate for this loan because? I have excellent credit.? I have never once been late for a payment.? I have a steady job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455695
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 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: 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.



Monthly net income: $ 2500

onthly expenses: $
??Housing: $ 0
??Insurance: $ 115
??Utilities: $ 0
??Phone, cable, internet: $?100
Entertainment and food: $?300
??Clothing, household expenses $?0
??Credit cards and other loans: $ 100
??Other expenses: $?250
? Prosper $87
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455697
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1976 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 4Length of status:0y 11m
Credit score: 640-659 (Apr-2010) Total credit lines: 21 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $6,705Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 1/ 1 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: energy2008 Borrower's state: California Borrower's group: BORROWERS - Free instant Listings - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 96% ) 640-659 (Latest)
Principal borrowed: $2,551.00< mo. late: 1 ( 4% )  
600-619 (May-2009)
600-619 (Feb-2008)
600-619 (Jan-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
Paying off Mother's Funeral
Purpose of loan:
This loan will be used to pay off the expenses for my mothers funeral. I was unemployed for seven months shortly after my mother died. I was sued by the mortician for payment and that turned into a judgment on my credit. By paying them off in total, I can get a small discount and also may be able to get them to remove the judgment from my credit report. This loan plus my?income will allow me to pay them off.

I am a good candidate for this loan because I have consistent income. In addition to my job, I receive a retirement check of $2050 from the USAF.
Monthly net income: $6280 Monthly expenses: $ 4020
??Housing: $ 2095
??Insurance: $ 150
??Car expenses: $100
??Utilities: $ 125
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $150
??Credit cards and other loans: $800
??Other expenses: $ 350
undefinedundefined 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455703
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
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: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1988 Debt/Income ratio: 4%
Basic (1-10): 1 Inquiries last 6m: 9Employment status:Retired
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:4y 10m
Credit score: 740-759 (Apr-2010) Total credit lines: 16Stated income:$25,000-$49,999
Now delinquent: 1 Revolving credit balance: $0 
Amount delinquent: $369 Bankcard utilization: 0%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: brightest-fairness-happiness Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Hospital Bills
Purpose of loan:
This loan will be used to pay off?medical bills incurred when my wife had a heart attack. The insurances did not pay all related bills. We have approximatly $2000 in unpaid medical bills.?

My financial situation:
I am a good candidate for this loan because I am not overloaded with other debts. There is a judgement on my credit report, I paid it March 19th and have the documentation to prove that the debt is paid in full and satisfied. I own my cars, have no?loans, no?credit card debt. I can afford to make the payments on this loan on time and?even pay off early.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455707
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $275.79
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1992 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 / 5Length of status:1y 0m
Credit score: 780-799 (Apr-2010) Total credit lines: 22 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $949Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: greenback-maracas 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
Belated Engagement Ring for My Wife
Purpose of loan:
Purchase of a diamond ring for my wife.? At the time of our marriage last year, money was tight and we only had money for a simple Vegas wedding.? Now, our first year's wedding anniversary is coming up, i would like to fulfill my promise and surprise her with a diamond ring. The reason for this loan is to find an alternative solution for high interest credit or charge cards.

My financial situation:
I have a perfect credit history and always pays all my credit card payments in full and on time.? I am a recently promoted lead software developer at a steady growing company.? My wife and I have a very strict monthly budget plan, and most of the current saving goes into CD and high yield saving accounts.?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,900.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 33.00% Starting borrower rate/APR: 34.00% / 36.44% Starting monthly payment: $218.89
 
Auction yield range: 17.04% - 33.00% Estimated loss impact: 19.95%  
Lender servicing fee: 1.00% Estimated return: 13.05%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1996 Debt/Income ratio: 27%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 7Length of status:12y 6m
Credit score: 740-759 (Apr-2010) Total credit lines: 27 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $19,682Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: community-alert7 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
for closing costs
Purpose of loan:
This loan will be used to??give buyers, sellers assist?

My financial situation:
I am a good candidate for this loan because? I pay my bills, I can afford a 400 payment and will pay it back in 2 years, I recently got divorced in Oct.30,2009 and all I need is to sell the house than I can get on with my life and all I need is your help and will you be my savior
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455713
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $301.86
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2005 Debt/Income ratio: 17%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:6y 0m
Credit score: 760-779 (Apr-2010) Total credit lines: 9 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $7,616Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: diplomatic-money Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off my credit cards

My financial situation:
I am a good candidate for this loan because? I am hard worker and always keep my goal
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455719
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.47% Starting borrower rate/APR: 12.47% / 12.82% Starting monthly payment: $601.91
 
Auction yield range: 3.04% - 11.47% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2004 Debt/Income ratio: 19%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:4y 4m
Credit score: 800-819 (Apr-2010) Total credit lines: 13 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $3,869Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: micloans Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
HELP ME REPLACE MY ROOF
Purpose of loan:
This loan will be used to? Replace the roof of my house. I live in an older home and its time to replace the roof. I already had a few?roofers come to evaluate the roof and I"ve been told its absolutely the time for a new roof. I probably should have replaced it last year, but I just had my first child a few months back and needed some time to evaluate how much my expenses were going to increase. Now that its been 6 mths, I feel I've been able to adjust and can no longer put the roof repair off.? I had this listing listed last week and it didn't get the full amount to fund it because many people thought the cost was too expensive.? I want everyone to understand that the entire roof is going to be replaced, including the plywood. I need to finish this project soon because I'm starting to get water damage and I don't want this to cost me any more then it needs to. I also have increased the interest rate that I would pay in an attempt to get more funding.

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

Thank you for your consideration
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455721
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 10.49% Starting borrower rate/APR: 11.49% / 11.84% Starting monthly payment: $164.86
 
Auction yield range: 3.04% - 10.49% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 8.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:6y 3m
Credit score: 800-819 (Apr-2010) Total credit lines: 14 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $50Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: yan201 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
C.C BT Expired, needs to pay off
Purpose of loan:
0% c.c balance transfer expired, now interest rate is going up to aroud 16%. Need to get better rate

My financial situation:


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455725
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 23.99% Starting borrower rate/APR: 24.99% / 27.30% Starting monthly payment: $159.02
 
Auction yield range: 11.04% - 23.99% Estimated loss impact: 10.59%  
Lender servicing fee: 1.00% Estimated return: 13.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2000 Debt/Income ratio: 107%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 5Length of status:11y 3m
Credit score: 680-699 (Apr-2010) Total credit lines: 44 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $27,268Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: well-mannered-asset8 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
DEBT PAY OFF
Purpose of loan:
This loan will be used TO PAY OFF CREDIT CARDS THAT I HAVE RACKED UP IN BUYING ITEMS FOR MY "FLIPS" REAL ESTATE BEFORE THE BUBBLE HIT AND I HAD TO SELL 2 HOMES A HUGE LOSSES.

My financial situation:
I am a good candidate for this loan because I am a responsible person with 3 jobs.? I work 34 hours weekly at Electric Beach $8.50 hourly, I am a waitress Friday nights a private club for?5 hours weekly,?$3.00 hourly plus tips, I have picked up another retail job at Old Navy for $7.75 hourly and work about 10 hours weekly. My family also has a painting business where I help out when I am not working at these other jobs.? I am a motivated person, I just want to pay off my debt the old fashion way not miss up my credit.? With the credit card market changing rates and increasing minimum payments it has put me in a cycle that I will never get ahead without filing bankrupcy or win the lottery...
I have always had 3 jobs.? I used to work at a retail clothing store for 9 years and at the time it closed (January 2010),?I was the store manager.? I only was unemployment for 4 weeks because I am just not the type to sit around and do nothing.? I went out and found more jobs.? I am currently enrolled in College At Purdue North Central University.? I only have 2 classes to graduate with a Bachelor's Degree in Management.? I currently hold an Assoicate's Degree in Accounting.? I just hope that you see the drive and my desire to make a better person out of myself with motivation and drive, because those are 2 things that I have in my head & heart.

Monthly net income: $ 1350.00++

Monthly expenses: $ 1159.00
??Housing: $ 0.00 live with parent
??Insurance: $ 130.00
??Car expenses: $ 350.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 90.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 50.0
??Credit cards and other loans: $ 520.00
??Other expenses: $ 50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455731
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 10Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 12 / 10Length of status:6y 5m
Credit score: 660-679 (Apr-2010) Total credit lines: 35 Occupation: Realtor
Now delinquent: 2 Revolving credit balance: $2,833Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: bull6 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Dental Bill
Purpose of loan:
This loan will be used to? pay off a dental bill that we?received for work that was done to my wife.

My financial situation:
I am a good candidate for this loan because? I own a successful Real Estate Appraisal firm with consistent income for over 5 years.

Monthly net income: $ 6,200

Monthly expenses: $
??Housing: $ 1564
??Insurance: $ 535
??Car expenses: $ 435
??Utilities: $ 175
??Phone, cable, internet: $ 74
??Food, entertainment: $ 225
??Clothing, household expenses $ 175
??Credit cards and other loans: $ 115
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455737
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.55% Starting borrower rate/APR: 25.55% / 27.86% Starting monthly payment: $300.38
 
Auction yield range: 11.04% - 24.55% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 13.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: 15%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 16Length of status:8y 11m
Credit score: 640-659 (Apr-2010) Total credit lines: 25 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $19,753Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: paracaptusa Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,999.00< mo. late: 0 ( 0% )  
640-659 (Jun-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Paying off credit..
Purpose of loan:
This loan will be used to?Pay off credit to start season..

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455739
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $104.04
 
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: Feb-1999 Debt/Income ratio: 26%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 9Length of status:3y 11m
Credit score: 620-639 (Apr-2010) Total credit lines: 48 Occupation: Analyst
Now delinquent: 4 Revolving credit balance: $1,394Stated income:$50,000-$74,999
Amount delinquent: $5,053 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 20    
Screen name: luckiestone 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
600-619 (Aug-2008)
 
Principal balance: $1,177.59 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Need Help Achieving The Dream
Purpose of loan:
This loan will be used to? Pay off? very high interest Payday Loans.?
PayDay Loan 1 ?$390.00?Monthly Payment $180.00
PayDay Loan 2? $500.00?Monthly Payment $200.00
PayDay Loan 3 ?$1000.00?Monthly Payment $350.00
PayDay Loan 4 ?$390.00?Monthly payment $180.00
If my loan request of $2300.00 at 35% interest is funded?my monthly cash flow would increase by about$800.00 per month. This would help us tremendously and really put us back and track! Officially making the recession history for us!

My financial situation:
I am a good candidate for this loan because?Husband is back to work full time and?full pay. I?also work?full time.?While he was out of work we got behind thus the deliquencies showing. We did make payments but they were the creditor modified payments and not the original payment due. Some of the creditors still reported us late. We are caught up now though thanks to tax refunds. The last thing looming is these payday loans.? Please have faith in us, as we want to restore our good name and credit too. We know with these paid off we could move forward at lightening speed and would love to see you get a great return on your investment instead of feeding the sharks so to speak. We promise..you won't be sorry!



Monthly net income: $ 4600.00?NET

Monthly expenses: $
??Housing: $?957.00
??Insurance: $ 275.00
??Car expenses: $ 140.00 (Gas and maintenance only. Car is paid for. My husband has company van)??
? Utilities: $ 415.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 525.00 (family of 4)
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $ 1400.00?
??Other expenses: $ 225.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455743
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $248.80
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 5 / 4Length of status:2y 11m
Credit score: 700-719 (Apr-2010) Total credit lines: 30 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,864Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 15    
Screen name: cminor Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 49 ( 100% ) 700-719 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
720-739 (Oct-2009)
620-639 (Nov-2007)
720-739 (May-2007)
 
Principal balance: $288.24 1+ mo. late: 0 ( 0% )
Total payments billed: 49  
Description
Finish my photo studio
Purpose of loan:
This loan will be used to complete my photo studio.? The interior of the studio is almost complete, but the county is requiring a handicap accessible bathroom be added to the building.? I converted our barn on our property into the studio, and now need to add a 12x12 addition to house the bathroom.? The bid that we are considering accepting is around $8800.? Unfortunately the barn is over 100 feet from the sewer/water hookups, so it is going to quite expensive.? I have close to $4000 on hand to cover the expense, but I need help with the remainder.

My financial situation:
I am a good candidate for this loan because the business has been going for almost 3 years now.? It started off very casual, with a few photo jobs here and there, but is growing rapidly now.? I recently finished a Masters Degree in Photography, which taught me a great deal about the industry, which I have been able to apply to the jobs.? I have secured 2 Little League organizations (which will net close to $5000 each), 11 weddings this summer, and 4 other sporting events (should net $1500 to $3000 each).? I have been swamped lately with calls for family portraits, senior pictures, etc.? This is what prompted me to start on the studio.? It is difficult to do this type of work without a physical location to operate out of.?

Monthly net income: $
Current net income from the business is averaging between $2000 and $2500 per month.? As I mentioned in the "My financial situation" section, there are a number of upcoming jobs that will significantly increase the net earnings.

Monthly expenses: $?
It is important to note that our monthly household expenses are paid by my husband, who makes around $70,000 per year.? I have a few small items that I pay for each month.? Our mortgage payment will be included on my credit ($2026), but keep in mind that this is?paid by my husband.??

Housing: $???
Insurance: $???
Car expenses: $???
Utilities: $???
Phone, cable, internet: $???
Food, entertainment: $???
Clothing, household expenses $???
Credit cards and other loans: $ 90??
Other expenses: $

Feel free to contact me if you have any questions.? Thanks!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455745
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1997 Debt/Income ratio: 24%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 10Length of status:10y 0m
Credit score: 700-719 (Apr-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 1 Revolving credit balance: $6,599Stated income:$25,000-$49,999
Amount delinquent: $673 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 2 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: angels2008 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidate debts
Purpose of loan:
This loan will be used to?debt consolidaton.? My son died and my ex-huband filed bankruptcy, which forced my into bk. 9 years ago, (which will fall off my credit report next year)?but since then I have?been rebuilding my credit and was doing great until this last year.? I have two sisters and
the day that my oldest sister started chemo, my?younger sister found out that she also had cancer.? I have been helping them and as a result, I have acquired credit card debt.? I?bought a house?5 years ago and have been rebuilding my credit.? Last year, because of the economy my credit card companies?cut the limit on my cards to less than half of what they were,and doubled their interest rate,?otherwise my credit score would be?well over 700.?I never want to see another credit card after this.? I have been praying for an answer, and found prosper. I didn't know until my credit report was pulled that there was a past due amount listed.? THIS IS NOT
MINE and I'VE NEVER heard of the? company and I'M IN THE PROCESS OF HAVING THIS REMOVED FROM MY CREDIT REPORT.

My financial situation:
I am a good candidate for this loan because?I have been at my job for 10 years, and am an honest hard working, and compassionate person.??I am just?hoping that there are people out there that are also compassionate, and will be willing to give me a chance to rebuild my life.? I'm sorry that I don't have any pictures, but I couldn't get them to upload.?I?HAVE NOT BEEN LATE ON ANY PAYMENTS IN OVER 10 YEARS AND HOPE THE PEOPLE ON PROSPER WILL GIVE ME A CHANCE.

Monthly net income: $ 3000.

Monthly expenses: $
??Housing: $800.
??Insurance: $ 60.
??Car expenses: $350.
??Utilities: $200.
??Phone, cable, internet: $40.
??Food, entertainment: $100.
??Clothing, household expenses $
??Credit cards and other loans:?$500.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.0%  
   
 
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: 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: Dec-1999 Debt/Income ratio: 26%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:30y 8m
Credit score: 600-619 (Apr-2010) Total credit lines: 33 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $4,544Stated income:$25,000-$49,999
Amount delinquent: $355 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: KINGLY Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 10 ( 91% ) 600-619 (Latest)
Principal borrowed: $2,000.00< mo. late: 1 ( 9% )  
600-619 (Dec-2009)
620-639 (Sep-2009)
600-619 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 11  
Description
HELP MY MOTHER!!!
Purpose of loan:
This loan will be used to?
I would like to be able to help my mother with a few repairs around her house. Also, I am going back to school for computer technology and want to make sure that I have the funds to do so.
My financial situation:
I am a good candidate for this loan because? I had a previous loan with Prosper and was very diligent in paying it back. I also like the idea of friends helping friends. I want to be a lender someday soon myself.????????

Monthly net income: $?1850.00????Monthly expenses: $ 1370.00
??Housing: $ 200.00????
??Insurance: $34.00
??Car expenses: $?80.00(fuel,oil)
??Utilities: $
??Phone, cable, internet: $ 42.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $501.00???Other expenses: $ 523.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1994 Debt/Income ratio: 46%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:4y 3m
Credit score: 780-799 (Apr-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $412Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Drivingfordollars 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: 0 / 1 On-time: 12 ( 92% ) 780-799 (Latest)
Principal borrowed: $9,000.00< mo. late: 1 ( 8% )  
680-699 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
Driving For Dollars!!
Purpose of loan:
This is my second Prosper Loan! Need?new harness?+ improvements to?trailer~ attached ramps, automatic hitch device and winch to reduce the physical demands of my work!
Monthly Income: $2,400.00 Base salary?plus commisions?from W-2 Job. Projected with carriage service: $1,000.00 to $1,500.00 per month.
Monthly expenses:??
??Housing: $ 1,000.00
??Insurance: $ Home Taxes and Insurance are included in figure above.?
??Car expenses: $ Vehicle is owned outright-Truck insurance $50.00 per month
??Utilities:? $60.00?
??Phone, cable, internet: $?Provided through full time W-2 Employer.
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 20.00
??Credit cards and other loans: $?40.00
Other:?Rental Property.?Same renter for two years. Rent covers payment, taxes and insurance on that property.??
I am a good candidate for this loan because having been in the business for such a long time before; I know this industry like the back of my hand. I know how to promote it and I know how to forecast my estimated earnings. I have a very accurate knowledge of the "seasonal lulls" and I know how to budget accordingly so that all expenses (including loan payments) are covered through the winter with the earnings from the autumn and Christmas seasons. Season begins in June.
I plan to re-pay this loan though income realized from performing this service.







Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455751
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.38% Starting borrower rate/APR: 10.38% / 12.49% Starting monthly payment: $243.34
 
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-1976 Debt/Income ratio: 68%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 23 / 21Length of status:32y 3m
Credit score: 740-759 (Apr-2010) Total credit lines: 48 Occupation: Other
Now delinquent: 0 Revolving credit balance: $24,102Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: helpful-compassion 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
Getting back on track.
Purpose of loan:
My reasons for looking for this loan are the same reasons many of us are trying to restructure our current debt. I am 54 years old and I have raised two wonderful smart daughters, both of which I put through catholic grade school and college . This was done without much financial aid or scholarship money and even though they were both very smart I always seemed to make just a little too much to qualify for grants and aid. Both graduated college with their degrees but then came the weddings. They kept it simple because that is what they wanted but even simple costs money. After the weddings then there were my parents both dying from cancer and have both since passed away. Needless to say over my lifetime so far every time I thought I could get ahead something always came up that demanded my financial attentions. Now it?s the credit card companies jacking up rated even without being late just so they could turn a profit for their shareholders and pay mega bonuses. Their outrages rates have cost me hundreds of extra dollars in interest monthly.
My financial situation:
I have been at the same company for over 30 years and have no plans on quitting anytime soon. I earn a good wage and enjoy my job very much. I have a long and clean credit history and have always paid what I owed on time and in full. I believe in repaying my debts no matter what and have never defaulted on anything. ?I am just looking for a way to restructure my debt at a lower interest rate so I can gain a little ground. I looked around for options and I kept coming back to Prosper. The way I see it now a day its better paying other good people who understand what the average person is going through than some huge company who could care less. I would like to someday become a lender if possible to try and play if forward if I can, but first I need to get straightened out. I hope you read this and have the same views as I do and can see your way to help me.? I promise you will not be sorry.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1993 Debt/Income ratio: 32%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 14Length of status:6y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 50 Occupation: Tradesman - Electri...
Now delinquent: 0 Revolving credit balance: $10,144Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: jfsengineer Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
600-619 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
need to pay off small bills
Purpose of loan:
This loan will be used to? pay off high intrest credit cards and small bills. this in turn will raise fica score and allow me to one payment instead a lot of little ones?

My financial situation:
I am a good candidate for this loan because?I work every day and make descent money. I pay my bills on time and value reducing my debt to income ratio. I have always had?excellent credit till a divorce hit me. i also make money from taking care of a hadicapped brother.? I am very responsible and I am very honest.

Monthly net income: $ 5500.00

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 134
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 75
??Credit cards and other loans: $1200
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455761
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.02% Starting borrower rate/APR: 10.02% / 12.13% Starting monthly payment: $225.94
 
Auction yield range: 4.04% - 9.02% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1996 Debt/Income ratio: 12%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:3y 6m
Credit score: 780-799 (Apr-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $59,081Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ezvest 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
final stages of house renovation
Purpose of loan:
I?m going to use this money for the final stages off my house renovation. It will be used to replace the carpet and windows. With my credit I can easily get a home depot card to replace the carpet and use cash to do the windows, but I am going through prosper to build a relationship with the lenders in case In the future I really need a loan.???


I am a good canidate for this loan because:
I have a rock solid credit score and have never missed a payment, EVER!!!!?I am a prosper lender myself so I know what it?s like to have loan default. Don?t worry I am really anal about my credit? you will be paid. I owe about $119,000 on my house, its city assessed, and worth at least, $200,000. Also, the amount shown for my income is just considering my full time job with the city. I actually make another $12,000 a year, through various rental properties that I?ve been buying since 2000. ? Oh, I ended the last loan early because a buddy lent me the money at a very reasonable interest rate. It has since been paid in full.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455767
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1993 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 12Length of status:3y 11m
Credit score: 740-759 (Apr-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 0 Revolving credit balance: $18,395Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: orange-blissful-loot Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,959.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $429.95
 
Auction yield range: 17.04% - 23.00% Estimated loss impact: 19.32%  
Lender servicing fee: 1.00% Estimated return: 3.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1996 Debt/Income ratio: 30%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 12Length of status:1y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 0 Revolving credit balance: $12,216Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: tryingtogetahead78 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
To consolidate credit card debt so I can pay it off in 3 years and buy a home.

My financial situation:
I am a good candidate for this loan because I have a steady income with 5,000 upside in bonus. I pay all of my bills on time every month and never miss a payment.

Monthly net income: $ 4074.00

Monthly expenses: $
??Housing: $?790.00
??Insurance: $ 145.00
??Car expenses: $ 505.00
??Utilities: $ 70.00
??Phone, cable, internet: $ 109.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 450.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455773
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $102.58
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 14 / 14Length of status:4y 10m
Credit score: 720-739 (Apr-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 0 Revolving credit balance: $11,964Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 48%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: investment-fortress9 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
Secure inventory for large wedding
Purpose of loan:
This loan will be used to? Secure inventory, vendors and and properties for a large wedding client.

My financial situation:
I am a good candidate for this loan because? I've been in busines for 5 years and have never had any problems paying vendors/investors. This is my largest client to date. I need a small amount of cash until client's 2nd deposit comes in.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455779
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.99% Starting monthly payment: $61.54
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1992 Debt/Income ratio: 4%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 5Length of status:1y 10m
Credit score: 720-739 (Apr-2010) Total credit lines: 18 Occupation: Sales - Retail
Now delinquent: 6 Revolving credit balance: $636Stated income:$25,000-$49,999
Amount delinquent: $2,903 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: tony1523 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Old Collections
Purpose of loan:
?Hello everyone back in college(5 years ago)?i got a couple credit cards and maxed them out and never paid them back . Now they are all collections and holding me back from having a high credit score..everything i have now i pay on time..credit cards, student loans etcc... i make enough money to make payments i just dont have enough to pay it all at once which is minimal $2,900.00.

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

Monthly net income: $ 1700

Monthly expenses: $ 700
??Housing: $ 300
??Insurance: $ 75
??Car expenses: $ 0 (company car
??Utilities: $ 50
??Phone, cable, internet: $ 65
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 40
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455785
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2000 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 7Length of status:0y 2m
Credit score: 740-759 (Apr-2010) Total credit lines: 21 Occupation: Attorney
Now delinquent: 1 Revolving credit balance: $1,158Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: golden-loan6 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Closing costs
Purpose of loan:
This loan will be used to supplement closing costs.? I am in the process of selling my home.

My financial situation:
I am a good candidate for this loan because I have a stable career?as a defense attorney, and I will?be sure to make the monthly payments on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $633.30
 
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: Nov-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 5 / 5Length of status:6y 1m
Credit score: 720-739 (Apr-2010) Total credit lines: 17 Occupation: Professional
Now delinquent: 3 Revolving credit balance: $1,697Stated income:$100,000+
Amount delinquent: $34,641 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: foxy-bonus6 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
divorce-want to buy home-me&child
Purpose of loan:
This loan will be used to? settle debt so I can buy a home for my daughter and I because I am getting divorced.

My financial situation:
I am a good candidate for this loan because?? I make $110k/annually
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $318.08
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 35.88%  
Lender servicing fee: 1.00% Estimated return: -11.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1993 Debt/Income ratio: 207%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 7 / 7Length of status:3y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 1 Revolving credit balance: $4,851Stated income:$1-$24,999
Amount delinquent: $224 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: mystical-rupee8 Borrower's state: Wyoming Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to? Pay off credit cards

My financial situation:
I am a good candidate for this loan because? I would pay with and automatic payment and I am honest and dependable

Monthly net income: $ 1100.00

Monthly expenses: $
??Housing: $600.00
??Insurance: $ 312.00
??Car expenses: $ 946.00
??Utilities: $
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 250.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455801
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2002 Debt/Income ratio: 38%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 9Length of status:4y 1m
Credit score: 660-679 (Apr-2010) Total credit lines: 29 Occupation: Nurse (RN)
Now delinquent: 1 Revolving credit balance: $349Stated income:$25,000-$49,999
Amount delinquent: $374 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 21    
Screen name: scholarly-agreement Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
starting martini lounge with spouse
Purpose of loan:
3500.00 - lease on property
5000.00 liquor and misc. supplies
2000.00 advertising
insurance
the lounge is going to be leased.? Was profitable before issues with previous owner and landlord.? Landlord has seized property and wants someone to lease asap. Do not have the time to wait for traditional financing assuming it would be possible.

My financial situation:
I am a good candidate for this loan because?
I am an RN and don't have to worry about losing my job, I can always find work.? I am improving my financial IQ every month.? Working on debt consolidations and paying down bad debt.? My husband really wants to own a? business and this is a great opportunity.

Monthly net income: $ 5300.00

Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 100.00
??Car expenses: $ 393.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 115.00 ???
??Food, entertainment: $ 550.00
??Clothing, household expenses $250.00
??Credit cards and other loans: $ 550.00
??Other expenses: $ 125.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455803
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 5 / 5Length of status:1y 0m
Credit score: 680-699 (Apr-2010) Total credit lines: 17 Occupation: Sales - Retail
Now delinquent: 3 Revolving credit balance: $665Stated income:$50,000-$74,999
Amount delinquent: $3,133 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: greenback-satellite Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay down credit card debt
Purpose of loan:
Pay down my Capital One Credit Card bill, just used it to buy vehicle, so i am trying to pay it down...?

My financial situation:
I am a good candidate for this loan because?I have been ?taking care of my bills, wife and i bought a house last year, just have some?medical bills from 6 years thats why i was put HR status.??This payment? for loan should be real easy to take care of

Monthly net income: $ 3500-3900 on average..(conservative)

Monthly expenses: $ 1270
??Housing: $??720
??Insurance: $
??Car expenses: $?paid
??Utilities: $75
??Phone, cable, internet: $ 50
??Food, entertainment: $?250
??Clothing, household expenses $
??Credit cards and other loans: $?175
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1999 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:5y 1m
Credit score: 660-679 (Apr-2010) Total credit lines: 7 Occupation: Principal
Now delinquent: 4 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $670 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: affluence-neutron1 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
Business expansion
Purpose of loan:
This loan will be used to? Provide a steady flow of marketing and leads.

My financial situation:
I am a good candidate for this loan because?I have?done due diligence?

Monthly net income: $ 3000.00-5000.00

Monthly expenses: $ 1500.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455809
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $159.88
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1991 Debt/Income ratio: 43%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 17Length of status:1y 7m
Credit score: 720-739 (Apr-2010) Total credit lines: 36 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $47,047Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: payment-cooker6 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455811
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2000 Debt/Income ratio: 47%
Basic (1-10): 1 Inquiries last 6m: 8Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 16 / 15Length of status:10y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 34 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $27,109Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: orange-balanced-leverage Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off our high interest credit cards and line of credit.

My financial situation:
I am a good candidate for this loan because I am active duty Air Force and I have been stationed in Korea for the past year.? My wife and I ran into some financial difficulty paying for 2 households over the past year.? I am not behind on any payments to our creditors and we can pay our bills, I would just rather consolidate as much as possible into one payment at a lower interest rate and save money.? The loan application recommended I apply for $7,500, but to be completely honest, we are closer to $15,000 in debt.? I also receive a yearly bonus every year in July as part of?my last?re-enlistment. I intend to apply as much of those funds as possible to paying off this loan as soon as possible and eliminating debt. I thank you for your consideration in this matter.

Monthly net income: $

Monthly expenses: $
??Housing: $ 1149
??Insurance: $ 680 (6 months)
??Car expenses: $ 570
??Utilities: $ 300
??Phone, cable, internet: $ 220 (&cell)
??Food, entertainment: $ 250
??Clothing, household expenses $?100
??Credit cards and other loans: $ 480
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455813
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.00% Starting borrower rate/APR: 26.00% / 28.32% Starting monthly payment: $161.16
 
Auction yield range: 17.04% - 25.00% Estimated loss impact: 19.44%  
Lender servicing fee: 1.00% Estimated return: 5.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1998 Debt/Income ratio: 22%
Basic (1-10): 5 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 15 / 15Length of status:19y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 31 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $4,314Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mitsubishi58 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
600-619 (Nov-2007)
620-639 (Oct-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 12  
Description
paying off my debt
Purpose of loan:
(explain what you will be using this loan for) single dad trying to put son through college second semester. first year student running a little low on funds

My financial situation:
(explain why you are a good candidate for paying back this loan) now working two jobs and paying bills on time. been at present job for 18 years now second job about 2 months

Monthly net income: $ 4700

Monthly expenses: $
??Housing: $ 800.00
??Insurance: $ 55.00
??Car expenses: $ 350.00
??Utilities: $ 85.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 80.00
??Clothing, household expenses $ 65.00
??Credit cards and other loans: $ 100.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 29.24% Starting borrower rate/APR: 30.24% / 32.62% Starting monthly payment: $255.50
 
Auction yield range: 17.04% - 29.24% Estimated loss impact: 19.71%  
Lender servicing fee: 1.00% Estimated return: 9.53%  
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-1995 Debt/Income ratio: 20%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 16Length of status:4y 2m
Credit score: 660-679 (Apr-2010) Total credit lines: 30 Occupation: Other
Now delinquent: 1 Revolving credit balance: $9,200Stated income:$25,000-$49,999
Amount delinquent: $148 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: chidustyn Borrower's state: Illinois Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
620-639 (Nov-2007)
620-639 (Jul-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Medical Debt Consolidation
Hi. This is a relisting from sometime ago: I will get right to the point - my medical expenses are ridiculous, which is why I am listing. Prosper sent me an email a couple weeks back reminding me that "due to (my) consistent and timely payment history" I'm?invited to apply for another Loan. I think the time has come to see if I can acquire another Loan for assistance.

My reasons for needing the loan are simple: I wish to pay-off some outstanding?medical bills and credit card debt. I am in the clear from all of my previous health issues. During some of the medical issues and co-payments and such, I resorted to using credit cards and racking-up some debt as well to pay for co-payments and to be quite honest, live. As a result, I just need to get a hold of?all this debt easier.?Much like my last successful Loan with Prosper - I plan to use auto-payment and benefit from this Loan.

A little about me: I'm a?30 year-old-young professional living and working in Chicago, IL. I work in Marketing. I love my job and I love Chi Town.?As I stated above,?I already have one successful Loan paid-off with Prosper.?While I do have the income now to repay debts and keep-up with my finances--the hospitals just aren't too thrilled having me make small payments and there is no way I can pay this all at once.?And, regarding any?current "delinquent" amounts on my Credit Report right now - yup, that would be part of the hospital bills. I would just like to have the Prosper community help me pay these off and get them off my back. Please consider me.

Thank you!
Healthy D in?Chicago
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 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: 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: Feb-1994 Debt/Income ratio: 17%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:9y 7m
Credit score: 600-619 (Apr-2010) Total credit lines: 42 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $3,012Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 8    
Screen name: the-seahorse Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
620-639 (Oct-2008)
 
Principal balance: $1,878.89 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
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? i take care of my financial obligations.?My credit use to be excellent but has not been?where i would like it to be for some time?now. I am trying to get my debt consolitdated?so that i can get my credit back up to where i am happy with it. That would make me feel better about myself and not so worrisome.??

Monthly net income: $ 3200.00

Monthly expenses: $
??Housing: $ 200.00
??Insurance: $ 165.00
??Car expenses: $ 450.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 1100.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455821
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1997 Debt/Income ratio: 24%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 18 / 9Length of status:14y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 38Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $10,900 
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: duckers Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 13 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
560-579 (Aug-2008)
600-619 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 13  
Description
finish renovating kitchen
Hello,
?My name is Don.?My wife Cheryl and I are renovating our kitchen and we could use $3000 to finish it and refinish our hardwood floors. I had one loan with prosper which I paid on time every month and paid off in full. I have not been late with any type of payment in almost?9 years now and I don't intend to.?Thanks for your help ???????????????????????????????????????????????????????????????? Don
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455829
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $113.12
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1995 Debt/Income ratio: 16%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:6y 9m
Credit score: 680-699 (Apr-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,909Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: allyweds Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< mo. late: 0 ( 0% )  
660-679 (Sep-2008)
 
Principal balance: $1,691.16 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
Rtrn Prosperer-Pay down CreditCard
This will be my second Prosper loan. In Oct. 09 the Prosper community awarded me with a loan that was used to help my husband and I throw a memorable wedding. We are now a happy family of 3! My husband has since received his Master's in Public Administration and secured a great position working in city government. I am still employed at my current position, it will be 7years this summer (although on maternity leave for 3months).

This loan will be used to help my family pay down a credit card with a high interest rate. We have an aggressive plan to improve our credit over the next year in the hopes of becoming home owners with a good mortgage in 2011.

We are great candidates for this loan, as we have proved and established a positive relationship with Prosper, paid on time for over 18months. We have thought out this loan prior to applying for it and have a projected plan for repayment. This loan will be auto-payed from our checking account, as is or other Prosper loan.

Monthly family net income: $ 6500
Monthly expenses: $3000
Housing: $ 1750
Insurance: $ 120
Car expenses: $ 326
Utilities: $ 75
Phone, cable, Internet: $ 100
Credit cards and other loans: $ 600 (when just paying minimums)
Food/Gas/Baby/Entertainment: Variable
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $246.10
 
Auction yield range: 14.04% - 15.00% Estimated loss impact: 14.65%  
Lender servicing fee: 1.00% Estimated return: 0.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1993 Debt/Income ratio: 26%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 14Length of status:11y 1m
Credit score: 660-679 (Apr-2010) Total credit lines: 42 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $7,834Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 26%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: payout-capo Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My 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 455841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.88% Starting borrower rate/APR: 29.88% / 32.26% Starting monthly payment: $105.96
 
Auction yield range: 11.04% - 28.88% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.15%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 18%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:9y 4m
Credit score: 680-699 (Apr-2010) Total credit lines: 27 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $6,062Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 8    
Screen name: finance-safehouse2 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off bills

My financial situation:
I am a good candidate for this loan because? i have a steady job with the Us Military

Monthly net income: $ 6,200

Monthly expenses: $?3,700
??Housing: $ 2,310
??Insurance: $ 135
??Car expenses: $ 602.76
??Utilities: $ 100.00
??Phone, cable, internet: $ 150.00
??Food, entertainment:? $
??Clothing, household expenses?
??Credit cards and other loans:?400.00
??Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1991 Debt/Income ratio: 8%
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 5Length of status:3y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 34 Occupation: Other
Now delinquent: 8 Revolving credit balance: $643Stated income:$50,000-$74,999
Amount delinquent: $37,757 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 3 Homeownership: No  
Delinquencies in last 7y: 22    
Screen name: spry-economy 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
Improve credit
Purpose of loan:
This loan will be used to help improve my credit. I would like to get a loan to have another line of open credit to server as a positive impact on my credit report. Unfortunately, I had some credit problems in 2005, but I have worked to improve my credit since then.

My financial situation:
I am a good candidate for this loan because I do not plan to spend this money. I plan to simply put it in my savings or money market account and use the funds to pay the monthly loan payments.

Monthly net income: $ 5,316.66

Monthly expenses: $ 4,786.98
??Housing: $700.00
??Insurance: $0.00 (paid by employer)
??Car expenses: $300.00 (fuel, insurance, and maintenance)
??Utilities: $125.00
??Phone, cable, internet: $200.00
??Food, entertainment: $300.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $353.65 (auto loan) + $150 (additional auto loan)
??Other expenses: $958.33 (SIMPLE IRA), $400 (Roth IRA), ~$600.00 (taxes), $350.00 (savings account), $150.00 (educational IRA for niece and nephew)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455845
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,750.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $79.16
 
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-1994 Debt/Income ratio: 51%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Retired
Enhanced (1-5):2 Current / open credit lines: 32 / 31Length of status:15y 6m
Credit score: 620-639 (Apr-2010) Total credit lines: 57Stated income:$1-$24,999
Now delinquent: 1 Revolving credit balance: $17,364 
Amount delinquent: $130 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: the-worth-samurai Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
660-679 (Aug-2008)
 
Principal balance: $868.60 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
pay current loan off and help daugh
Purpose of loan:
This loan will be used to?pay off current loan and help daughter?with down payment for mobile home?

My financial situation:
I am a good candidate for this loan because? i always pay my bills on time.i have a current prosper loan and was never late

Monthly net income: $ 2000.00 plus 6000.00 husband

Monthly expenses: $
??Housing: $ 940.00
??Insurance: $
??Car expenses: $ 623
Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455851
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,100.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 23.00% / 26.49% Starting monthly payment: $42.58
 
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: Sep-1986 Debt/Income ratio: 40%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:4y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 39 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $2,153Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 17    
Screen name: foxy-fund545 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
Refinish a spare room
Purpose of loan:
This loan will be used to? refinish a spare room, that was left unfinish when the home was purchased. I want to make the room into another bedroom to bring more?value to my home.
My financial situation:
I am a good candidate for this loan because? I pay my bills on time.

Monthly net income: $ 4600

Monthly expenses: $
??Housing: $ 1365
??Insurance: $ 106
??Car expenses: $ 646
??Utilities: $ 300
??Phone, cable, internet: $ 165
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $220
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1998 Debt/Income ratio: 29%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:14y 7m
Credit score: 640-659 (Apr-2010) Total credit lines: 12 Occupation: Other
Now delinquent: 0 Revolving credit balance: $9,275Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: responsibility-lightning 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
Business Start-Up- NEVER late! Ever
Hello!? First of all- I have NEVER been late on ANY payment, EVER.? This loan will be used to start our online Christian store.? We have been researching this extensively?for over a year and determined to make this a profitable growing business.?We?wanted to do something to earn money and yet be spreading the Gospel.? We also believe you get what you pay for and do not plan on being unprofessional in our business.? Our having strong business backgrounds with accounting experience will also help us immensley!?

We feel that now is the right time to start our venture.? We originally planned on withdrawing the funds out of our retirement accounts, but chose to go with Prosper instead of paying the penalty on the retirement money.? We are an?agressive couple and plan on doing everything we can to promote our business.??We both have full time jobs so the payments will not be a problem.? We are praying that eventually one of us will be able to work from home full time so we can home school our son.? We?are committed to this venture and hope you will consider our loan request!?

I am a good candidate for this loan because I am a responsible person and have never been late on a bill EVER.? I believe that when I owe anyone anything, I AM RESPONSIBLE?to pay it back.? I was?surprised that I have a HR status, so I pulled a credit report.? I have NO NEGATIVE accounts and have NEVER been late on a bill.? I do have a higher debt to income due to most of the bills are in my name and my wife's income was not counted for the scoring, so I assume this is the reason for the HR rating.??We have adequate income to pay this loan even if our business fails to thrive as you can see.

The following includes both incomes and all bills-

Monthly net income: $ 3640
Monthly obligations: $ $2641
Excess:? $999


Monthly expenses:??
??Housing: $684
??Insurance: $120
??Car expenses: $ 415
??Utilities: $142
??Phone, cable, internet: $200
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $270?
??Other expenses: $200

Thank you for considering us!


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $63.95
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2001 Debt/Income ratio: 28%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:0y 3m
Credit score: 720-739 (Apr-2010) Total credit lines: 16 Occupation: Student - College S...
Now delinquent: 0 Revolving credit balance: $9,960Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: decisive-truth2 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for rent til F/T work starts
The purpose of this loan is to pay for rent until my full time job at the hospital starts at the beginning of June. This loan will be used to pay for rent, food and bills. My Financial Aid covered the school year but there is a gap between the end of the school year and the time I am allowed to start work at the hospital. I am a good candidate for this loan because I pay my bills on time and am about to graduate from Johns Hopkins School of Nursing and I will be a full-time nurse.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455857
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-2002 Debt/Income ratio: 36%
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 13Length of status:9y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 31 Occupation: Military Enlisted
Now delinquent: 1 Revolving credit balance: $23,198Stated income:$50,000-$74,999
Amount delinquent: $1,707 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: subtle-money764 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
Combining Debt
Purpose of loan:
This loan will be used to consolidate credit cards. The credit cards will be closed once paid off.
My financial situation:
I am a good candidate for this loan because I am in the military and your money will be paid back in full or the Navy gets involved. My wife also works full time, we are just struggling a little because our previous tenant did not pay the rent for 3 months. This loan will get us back in control of our finances by?paying off credit cards. We now have a good?tenant and need this loan to pay off credit cards so the extra money can be used towards the rental.?
Monthly net income: $
5200- US Navy
1700- Rental Income

Monthly expenses: $
??Housing: $ 3300
??Insurance: $ 80
??Car expenses: $ 480
??Utilities: $?180
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 75
??Credit cards and other loans: $?300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,900.00 Prosper Rating: 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: $131.18
 
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: Aug-1977 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:4y 5m
Credit score: 660-679 (Apr-2010) Total credit lines: 17 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $4,353Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 19    
Screen name: bill-whamo Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation, college costs
This loan will be used to consolidate debt and help my son with college costs.?

My financial situation:
I'm a good candidate for this loan because it fits perfectly into my monthly budget.?

Monthly net income: $

Monthly expenses: $
??Housing: 1100.00
??Insurance: $?80.00
??Car expenses: $ 125.00
??Utilities: $ 85.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?500.00
??Clothing, household expenses $
??Credit cards and other loans: $ 120.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $904.31
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 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: Aug-1992 Debt/Income ratio: 31%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 11Length of status:0y 5m
Credit score: 680-699 (Apr-2010) Total credit lines: 46 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $22,320Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: p2p-trapper084 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay down my high interest credit cards.? Cards were used to finish the basement on my house just before the financial debacle.? I have 20% equity in my home, but few if any lenders will loan higher than that anymore.? The Credit card I used for the basement finish was 7.99% but after the credit reform act (oximoron?) the card company jumped it to 19.99%.? It had nothing to do with my credit.?

My financial situation:
I have a stable high paying job and I was without debt just a couple of years ago and I am working very hard to get that way again.? I only incurred debt while finishing more of my house (the basement), so it was spent to increase equity, not for frivoluous purchases.?

Monthly net income: $ 7425

Monthly expenses: $
??Housing: $ 1625
??Insurance: $ 150
??Car expenses: $ 400
??Utilities: $ 125
??Phone, cable, internet: $ 120
??Food, entertainment: $ 800
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 2000
??Other expenses: $ 600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.99% Starting borrower rate/APR: 10.99% / 13.11% Starting monthly payment: $458.28
 
Auction yield range: 4.04% - 9.99% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1982 Debt/Income ratio: 14%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:10y 5m
Credit score: 700-719 (Apr-2010) Total credit lines: 26 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $70,009Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 73%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: skier1 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 700-719 (Latest)
Principal borrowed: $12,000.00< mo. late: 0 ( 0% )  
700-719 (Dec-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 26  
Description
debt consolidation
i am looking to borrow $14,000 to pay off other high interest debt.? This will be my second loan, and i was always on time with my payments. I actually paid the first loan off early. I am making more money now, and i feel i may pay it off faster than the 3 year term.? The payment fits well into my budget, as my income will continue to increase over the next number of years.? I live and work in new york, and i have been working in the financial industry since 1999.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455885
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $150.82
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2002 Debt/Income ratio: 51%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 13Length of status:8y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 23 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $23,777Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: taxi346 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1998 Debt/Income ratio: 11%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 11Length of status:32y 0m
Credit score: 620-639 (Apr-2010) Total credit lines: 33 Occupation: Engineer - Electric...
Now delinquent: 2 Revolving credit balance: $2,823Stated income:$50,000-$74,999
Amount delinquent: $5,904 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: kevinsdog Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,200.00< mo. late: 0 ( 0% )  
560-579 (Jun-2008)
540-559 (Apr-2008)
580-599 (Apr-2007)
 
Principal balance: $647.67 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Purchasing a Travel Trailer
Purpose of loan:
This loan will be used to?
Purchase a Travel Trailer
My financial situation:
I am a good candidate for this loan because?
Been employed as a Engineer for the same company for 32+ years
Monthly net income: $ 6400

Monthly expenses:?
??Housing: $ 1600
??Insurance: $ 160
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $?150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455921
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,800.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.52% Starting borrower rate/APR: 12.52% / 12.87% Starting monthly payment: $261.01
 
Auction yield range: 3.04% - 11.52% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 10.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: 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 455927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1998 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:5y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 18 Occupation: Food Service
Now delinquent: 2 Revolving credit balance: $3,982Stated income:$25,000-$49,999
Amount delinquent: $3,265 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Hephaistion 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: 0 / 1 On-time: 8 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
660-679 (Aug-2009)
620-639 (May-2009)
600-619 (Sep-2008)
600-619 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 8  
Description
Extra cash for advertising
Purpose of loan:
This money will be used to pay for several different streams of advertising for my new business. Don't have immediate cash on hand to fund the advertising i need to help build current sales.

My financial situation:
I am a good candidate for this loan because I don't carry many monthly bills and i'm still working full time at my current job. So i will be able to pay this loan back without any worry. I have had another loan through Prosper which was repaid early. In addition I also have money invested into Prosper so I'm not going anywhere.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 540.00
??Insurance: $
??Car expenses: $
??Utilities: $ 40.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.40% Starting borrower rate/APR: 15.40% / 17.58% Starting monthly payment: $522.92
 
Auction yield range: 11.04% - 14.40% Estimated loss impact: 10.32%  
Lender servicing fee: 1.00% Estimated return: 4.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1990 Debt/Income ratio: 45%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 14Length of status:11y 4m
Credit score: 680-699 (Apr-2010) Total credit lines: 30 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $13,303Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: commerce-prometheus Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $?300
??Insurance: $ 200
??Car expenses: $ 569
??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 455945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,650.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 30.76% Starting borrower rate/APR: 31.76% / 34.19% Starting monthly payment: $71.65
 
Auction yield range: 14.04% - 30.76% Estimated loss impact: 15.41%  
Lender servicing fee: 1.00% Estimated return: 15.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2005 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:0y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 15Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $2,790 
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: kindness-summoner0 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 for summer school!
Purpose of loan:
????This loan will be used to cover my living costs and tuition costs for my summer school.? I have to take my internship this summer in order to attain my degree from Appalachian State?in August, and the particular internship I have found will be located 3 hours away from campus, so I will have to acquire a new place of residence for the months that my internship will take place (Mid-May through Mid-August).

My ?financial situation:??
????Currently, I am admittedly unemployed, as I had to leave my previous job in preparation for my move.? Prior to this, however, I was a student manager at Appalachian Food Services, which is effectively a mid-level management position, for three years.? I have enough cash in the bank to cover my first month of living in WV for my internship, but after that I will be unable to continue to do so without some assistance, hence the need for this loan.? However, once I relocate to the site of my internship (Mid-May,) I will be acquiring a part-time job of 25 hours a week minimum as a telemarketer at Echostar, Inc. in Bluewell, WV?during the course of this internship (which will be 12-15 hours a week,) and after this internship is over I will begin a full-time job, either at the site of my internship (Pocahontas State Correctional Center)?or another similar venue as the demand for those with a degree in the areas I have studied are high in the southern WV/northwestern VA?area prisons and assisted living centers, but there are not many people to fill these positions.? Though I will have steady income coming to me fairly soon after I have started my internship, it will take a?few weeks for this money to actually hit my hands, and as such this loan would be great to get me started.??By the time that the second month's payment would come around, I would be fully prepared to?make a payment on this loan with?money made from the internship, not just?from recycling the loan money into itself.
????As of right now I am ineligible for summer financial aid this session.? As such, I need this loan badly so that I can get this final course over with and attain my degree, and consqeuently have a bit of a head-start on?heading out into life on my own, as they say.

Monthly net income: $ (previous job, ASU Food Services) $900 (next job, Echostar Inc.) ~$1000-$1100 in hand, depending on my availability to work.

Monthly expenses: $?(currently) $650 (beginning May 15 and beyond) ~$450-$550
??Housing: $ 250
??Insurance: $ 40
??Car expenses: $ 40
??Utilities: $?0 (paid for by someone else)
??Phone, cable, internet: $ 0 (paid for by someone else)
??Food, entertainment: $ 0 (provided)
??Clothing, household expenses $0-$50
??Credit cards and other loans: $ $80
??Other expenses: $ 0-$50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,999.00 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: $324.43
 
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-2001 Debt/Income ratio: 18%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:2y 0m
Credit score: 780-799 (Apr-2010) Total credit lines: 18 Occupation: Engineer - Mechanic...
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: Yes  
Delinquencies in last 7y: 0    
Screen name: zharkie1 Borrower's state: SouthCarolina Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 37 ( 100% ) 780-799 (Latest)
Principal borrowed: $14,990.00< mo. late: 0 ( 0% )  
720-739 (Jul-2008)
720-739 (Apr-2007)
700-719 (Jan-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 37  
Description
Need to buy a car for everyday use
About Me:
I have recently graduated from college, and currently working as?an industrial engineer in a manufacturing setting. I am single, and like doing community projects. I also like pretty much any outdoor sports such as football, soccer, and Frisbee. I like basketball and swimming too, but those are indoor sports. I also workout and train on a regular basis, and understand nutrition. I also give personal training and diet nutrition advice as a hobby. I like helping people meet their physical goals.Purpose of loan:
My car decided to finally die, and now I am in need of a new car.My financial situation:
I do not have big amounts of debt to pay off. I have a stable job, and steady income. I have never declared bankruptcy nor have collection agencies knock on my door. I make payments on time, and usually more than the minimums. You can look at the history of my previous prosper loan. Never a late payment.

My monthly budget:
Mortgage/rent: $380
Insurance: $0 (parents like paying for that for some reason)
Car expenses: $80
Utilities: $0 (included in rent)
Phone, cable, internet: $50
Food, entertainment: $200-300
Clothing, household expenses $50
Credit cards and other loan payments: $339
Other expenses: $50-100 (random money use)
---------------------------------------
Total monthly expenses: $1100-$1300

Total monthly income: $2400 - $2500 I am open for any questions anyone may have about me or the loan I am trying to obtain. Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $123.75
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1992 Debt/Income ratio: 24%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 11Length of status:12y 0m
Credit score: 820-839 (Apr-2010) Total credit lines: 45 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $1,619Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: giant452 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF AUTO LOAN
Purpose of loan:
This loan will be used to pay off the existing loan on my wifes car.

My financial situation:
I am a good candidate for this loan because my wife and?I have good paying jobs with a combined income of over $94,000. with an excellent credit rating and we are in the process of paying off all our debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,600.00 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: $162.85
 
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: Nov-1998 Debt/Income ratio: 14%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:2y 7m
Credit score: 620-639 (Apr-2010) Total credit lines: 12 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $1,147Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 16    
Screen name: joegator12 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,250.00< mo. late: 0 ( 0% )  
620-639 (Oct-2009)
640-659 (Sep-2008)
 
Principal balance: $1,406.58 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Paying for school and credit cards
Purpose of loan:
This loan will be used to pay off?two credit cards and pay for my graduate program.? It seems I pay large amounts each month to high interest cards and I can never make a dent into the principal amount.



My financial situation:
I would like to add that all payments will be automatically deducted from my account through the automatic deduction option on repaying this loan. PAYMENTS WILL BE ON TIME!?? As you can see from my past history, with prosper I have never been late and always pay.


I am a good candidate for this loan because I have an amazing and stable job in biotech sales and I am back on track finally to fixing any discrepancies on my credit history. I am new to Prosper and looking to repair some past mistakes to my credit. I am a college graduate with an incredible job in the Biotech industry and will be attending a MBA program at the country?s largest research university. No worries, my employer will be paying for school, but I will be looking to start a major campaign to repair my credit. I am trying to repair some damage I made while in undergraduate. I had a couple of set backs in school, the most pressing was the death of my younger brother, but I am finally at the point financially and emotionally for a fresh start. These setbacks knocked me off balance for a little bit, but now I am ready and willing to do all in my power to fix my past mistakes. The only problem is that it is extremely hard to get a start. I have applied, without success, on several occasions for a bank funded loan, but I feel my past mistakes are just too great. Unfortunately, I do not have the opportunity to explain to them that those mistakes were a one time occurrence during an extremely difficult time in my life. I have an amazing job (employed for over a year now) that pays for my needs four times over, but now all I want to do is use those extra funds to help me restore my credit. I have begun with little payments here and there, but I really need to pay a credit card in full that is currently in collections. Thank you so much for any consideration and understanding.

Monthly net income: $ 2450.00 + commissions ($ +600.00)

Monthly expenses: $ 2096
Housing: $ 1100.00
Insurance: $ 105.00
Car/Gas expenses: $120.00
Utilities: $ 95.00
Phone, cable, internet: $ 66.00
Food, entertainment: $ 350.00
Credit cards and other loans: $ 260.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 32.76% Starting borrower rate/APR: 33.76% / 36.19% Starting monthly payment: $334.03
 
Auction yield range: 14.04% - 32.76% Estimated loss impact: 16.21%  
Lender servicing fee: 1.00% Estimated return: 16.55%  
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-1966 Debt/Income ratio: 9%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 17 / 14Length of status:6y 7m
Credit score: 620-639 (Apr-2010) Total credit lines: 32 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $48,023Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 2/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jymmye888 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 620-639 (Latest)
Principal borrowed: $14,900.00< mo. late: 0 ( 0% )  
720-739 (Jan-2008)
(Feb-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Imperial Russian Banknotes
I am a part time dealer in stamps, coins and paper money (banknotes.) also antique stocks and old bonds The 'hottest' area of this type of collectibles is Imperial Russia (pre 1917) banknotes (paper money also called currency.) Old Chinese paper money is also in high demand.

This loan will be used to buy more?Imperial Russian paper money (banknotes)?and antique Russian Government and Railroad bonds.? In order to get a better price on purchases I need to buy in larger quantities -?selling is not a problem.? I had a booth at the Westchester Stamp and Coin Show in New York, in April, and sold out?of my small amount of old Russian money.? I also had a booth at the Antique center in the 'Garage' on West 25th Street in Manhattan and also sold out of my antique Russian financial documents and currency.?

I met several new collectors but don't have?enough old Russian currency for them. I have severak sources for Russian paper money in St. Petersburg, and Moscow, Russia and at the Russian Embassy in New York, some of this loan will be used for travel expenses to Russia. I have the contacts to buy more inventory but need to buy at the right price which will only come with a sizeable purchase. Once I buy the Russian money at the right price I can sell it for a nice profit in a matter of days to collectors of Russian money on my client list.

I am a good candidate for this loan because I paid back a previous loan in full on Propser with each payment on time.? My credit score would be 100 points higher with a lower debt utilization rate, especially since all my credit card payments have been on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455981
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $904.31
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 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: Jul-1991 Debt/Income ratio: 29%
Basic (1-10): 2 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 20 / 15Length of status:1y 6m
Credit score: 740-759 (Apr-2010) Total credit lines: 76 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $27,280Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: exchange-zoo7 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
credit card debt
Purpose of loan:
This loan will be used to pay of credit card dwbt

My financial situation:
I am a good candidate for this loan because as one with a secret clearance to conduct my job, negative credit rating and bunkruptcy would jeoprdize my job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455993
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 20.93% Starting borrower rate/APR: 21.93% / 24.19% Starting monthly payment: $152.62
 
Auction yield range: 8.04% - 20.93% Estimated loss impact: 7.49%  
Lender servicing fee: 1.00% Estimated return: 13.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:2y 9m
Credit score: 760-779 (Apr-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,203Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 26%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: forceful-wealth2 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Real Estate Taxes
Purpose of loan:
This loan will be used to? Pay off 2008 and 2009 real estate taxes on my home.
My financial situation:
I am a good candidate for this loan because? I?have three new consulting clients who?are?able to pay fees...unlike client?who went out of business.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1986 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Not employed
Enhanced (1-5):2 Current / open credit lines: 5 / 4Length of status:0y 2m
Credit score: 680-699 (Apr-2010) Total credit lines: 23Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $4,054 
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: authentic-dedication 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
Building a future for my daughter
Purpose of loan:
To cover expenses for three months while I build a real estate investment business.My financial situation:
I am a good candidate for this loan because of my commitment to establish a stable future for my special-needs daughter, Lexi.I have had a successful career in information technology for 15 years.? Until mid-February, I was a project manager at a software company, making just enough to cover my expenses, including child support.? Even before being laid off, I saw that something needed to change to ensure Lexi?s future.? After speaking to a good friend who is a successful real estate investor, I decided to switch careers.I have since taken a real estate training seminar and have built a network which includes real estate agents and investors.? Recently, I opened my first deal, which will close in three months, and I expect to open a few more which will close even sooner.I believe that by investing in me, you will see a return in a very short amount of time.
Monthly net income: $ 1,900

Monthly expenses: $ 5,270
??Rent: $ 1,050
??Insurance: $ 750
??Car expenses: $ 320
??Utilities: $ 65
??Phone, internet: $ 125
??Food, entertainment: $ 500
??Loan payments: $ 860
??Other: $ 1,600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456011
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
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: 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: Not calculated
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 5Length of status:12y 0m
Credit score: 660-679 (Apr-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 4 Revolving credit balance: $355Stated income:$25,000-$49,999
Amount delinquent: $19,302 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: sbuijck Borrower's state: Michigan 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: 36 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
660-679 (Mar-2010)
660-679 (Jan-2010)
660-679 (Dec-2009)
660-679 (Mar-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Debt consolidation
I am trying to consolidate Credit cards and a small loan that I have. I would like to get a lower monthly payment even though I know through the term of the loan I will actually pay more. My Ex-wife has and still is damaging my credit since the house we bought when we were married still has my name on it and she acnnot make a payment on time. I have tried to get my name off the loan but cannot. I have since purchased a house at a very high interest rate because of this. So i would like to try and reduce my monthly bills to accomodate for this. I am always on time with my Credit cards and house payment and auto loan and would just like the oppurtunity to have a little more IN-Pocket money. I did have to walk away from my house and have a foreclosure on my credit and other medical bills but i can promise as my past 3 year history shows i will pay this loan on-time and every month without fail. even with all i have gone through i have never failed to pay this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456023
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $101.08
 
Auction yield range: 11.04% - 12.00% Estimated loss impact: 10.26%  
Lender servicing fee: 1.00% Estimated return: 1.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1996 Debt/Income ratio: 2%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 1 / 1Length of status:9y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 16 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $667Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: power-thunder3 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off debt
Purpose of loan: To pay off existing debt I have.? Do not have much credit card debt.? Mainly old medical bills
This loan will be used topay off old medical bills and catch up on a credit card bill

My financial situation: good
I am a good candidate for this loan because? i have a good job. very secure.? i am not spending money on things i do not need, just trying to pay off medical bills and one credit card bill.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 950????????????
??Insurance: $250??Car expenses: $ none
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $ child support 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456041
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $645.34
 
Auction yield range: 3.04% - 9.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1997 Debt/Income ratio: 22%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:9y 10m
Credit score: 800-819 (Apr-2010) Total credit lines: 27 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $8,617Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: truth-widget Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Refinance credit to lower % rate
Purpose of loan:
This loan will be used to refinance my credit card debt to a much more reasonable interest rate.? I simply want to lower the outrageous credit card interest rate I'm currently paying.?

My financial situation:
I am a good candidate for this loan because I have never missed a payment in my life.? I have stable and full time employment as a design engineer in the semiconductor industry. Please let me know if you have any questions, and I'd be more than happy to answer them!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: 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: $280.30
 
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: 4%
Basic (1-10): 7 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 divorce 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 $6K will pay the remaining of the bills.? I am picking up 40K of these bills.



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456065
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $271.29
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 35.44%  
Lender servicing fee: 1.00% Estimated return: -18.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1988 Debt/Income ratio: 28%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 6Length of status:18y 7m
Credit score: 660-679 (Apr-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,907Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: PleaseSetMeFree Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 14 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
720-739 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Payoff high interest credit cards
Purpose of loan:? I expect to owe around $3500 on my federal and state income taxes.In addition, to offset the monthly Prosper payments, I want to payoff 2 credit cards with balances totaling around another $3800. I am a trustworthy credit risk as I pay my bills and pay them on-time. Experian Plus Score @ 4/23/10 = 716.? Thanks in advance to those willing to take a chance on me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 429424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $239.35
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1999 Debt/Income ratio: 18%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 12Length of status:5y 9m
Credit score: 740-759 (Apr-2010) Total credit lines: 27 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $2,246Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: hendrixgrl Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,000.00< mo. late: 0 ( 0% )  
680-699 (Apr-2008)
680-699 (Mar-2008)
640-659 (Sep-2007)
 
Principal balance: $2,644.75 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
Backyard Improvement & New Fencing
Purpose of loan:
I just recently bought a home and need to do some work on the backyard.? My fence is covered in bushes/weeds and is starting to lean quite a bit in some places.? I have dogs, so having a good fence around the yard is a must.? They have already managed to find a few holes to squeeze through that I could not see because of the foliage along the fence line.? I need to get all the bushes (as well as a tree) removed from the yard and a new fence built.? I used most of the savings on the house down payment, and I'd rather get the extra money this way that putting it on a credit card if I can get a lower rate.

My financial situation:
I am a good candidate for this loan because I am an accountant and can take care of my finances.? I make all my payments on time and generally make more than my minimums as often as possible.? I have never defaulted on anything and make sure that all my bills are paid.

Monthly net income: $ 3,000

Monthly expenses: $?1775
??Housing: $ 850
??Insurance: $ 100
??Car expenses: $50 (gas, no car note)?
??Utilities: $?0 (boyfriend pays utilities)
??Phone, cable, internet: $?75
??Food, entertainment: $?100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400(some credit cards/student loans/other prosper loan)
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 433176
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $272.20
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1994 Debt/Income ratio: 8%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 5Length of status:9y 11m
Credit score: 820-839 (Apr-2010) Total credit lines: 29 Occupation: Tradesman - Electri...
Now delinquent: 0 Revolving credit balance: $5,962Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: BigT103 Borrower's state: Massachusetts Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 29 ( 100% ) 820-839 (Latest)
Principal borrowed: $33,500.00< mo. late: 0 ( 0% )  
800-819 (May-2009)
800-819 (Apr-2008)
740-759 (Aug-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Debt Consolidation
Purpose of loan:
Pay down debt

My financial situation:
I am a good candidate for this loan because my past payment history speaks for itself.? I've never missed a payment with prosper and I will continue to make my payments on time if not earlier. Thank you all for your help.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 436182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 31.34% Starting monthly payment: $41.03
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2008 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 5 / 5Length of status:1y 5m
Credit score: 640-659 (Apr-2010) Total credit lines: 5 Occupation: Investor
Now delinquent: 0 Revolving credit balance: $463Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: fantastic-cash 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
Laptop Purchase
Purpose of loan:
This loan will be used to? buy a laptop from HP needed for school use and also business use, it is a hp dv6t.

My financial situation: is perfect.
I am a good candidate for this loan because? i have funded many prosper loans,?I currently have?$1100 in funded prosper loans. And a total of $2,000 lended.
Monthly net income: $ 300-900

Monthly expenses: $ 50-300
??Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $0
??Clothing, household expenses $0
??Credit cards and other loans: $ 50
??Other expenses: $ 100

I live with my parents and so have no living expenses,?I also get a monthly allowance from my parents, $200.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453110
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $239.75
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1995 Debt/Income ratio: 65%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 16 / 15Length of status:4y 6m
Credit score: 600-619 (Apr-2010) Total credit lines: 43 Occupation: Military Officer
Now delinquent: 0 Revolving credit balance: $829Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Army_Officer_Doc Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
600-619 (Jul-2008)
 
Principal balance: $2,289.50 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Army Officer / perfect prosper hx
Purpose of loan:
This loan will be used to continue consolidating my debt and build my credit score on prosper.? I started working on rebuilding my credit score after finishing medical school and becoming a military officer.? I have perfect payment history on my first prosper loan which is almost two years old in July without a single late payment.? My student loans which impact my total debt are all in deferment due to my military service.? My goal is get my loans and credit cards paid down that I accumulated out of necessity due to attending graduate school full time while supporting?a family of six.? I plan to pay off the original Prosper loan ($2400), another portion?will finish paying off the remaining small balances I have on several different cards (Capital One, HSBC, Star Card) and paying for national board exam and state license which are required the first year after graduation from medical school. ($700 test fee and $400 State license)

My financial situation:
I am a good candidate for this loan because I am a current prosper customer with perfect payment history for almost two year now without a single late payment.? I also recently graduated medical school and completing my board certification training.? I serve as a military officer providing me with a steady guaranteed income with benefits for my family without worry of losing my job.? I hope to soon be a prosper investor as my income will be changing drastically over the next few years as I complete my specialty physician training and pay off loan acquired to complete my training.

Monthly net income: $ 5600? (Not including my spouse who works full time)

Monthly expenses: $?Household expenses listed below?but spouse income not entered above??
Housing: $ 1425 (I receive a military allowance for housing tax free 1410 per mth)??
Insurance: $ 158??
Car expenses: $ 690??
Utilities: $?322??
Phone, cable, internet: $?99??
Food, entertainment: $ 400 ( I receive a military allowance of 223 per mth for food also tax free)??
Clothing, household expenses $ 100??
Credit cards and other loans: $ 1380??
Other expenses: $

I have been a great investment for those who loaned me money on prosper two years ago.? I hope that because I have established a?good payment?history on prosper I will be able to decrease my interest rate and pay off the original prosper loan.? Thanks.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 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: 26.00%  
Lender servicing fee: 1.00% Estimated return: -8.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1991 Debt/Income ratio: 25%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 14Length of status:2y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $78,863Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: pleasant-benefit8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF CREDIT CARDS
Purpose of loan:
This loan will be used to?p pAY MY CREDIT CARDS AND MY WIFES?

My financial situation:
I am a good candidate for this loan because?? I have a stable job but my credit cards are not allowing me to save any money i would like to have one payment and pay my cards off.

Monthly net income: $ 3880.80
Monthly expenses: $
??Housing:??1700.00??Insurance: $ 190.00
??Car expenses: $ 250.00
??Utilities: $140.00

??Phone, cable, internet: $ 240.00
??Food, entertainment: $ 260.00
??Clothing, household expenses $ 180.00
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454086
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 33.50% Starting borrower rate/APR: 34.50% / 36.95% Starting monthly payment: $179.81
 
Auction yield range: 11.04% - 33.50% Estimated loss impact: 10.85%  
Lender servicing fee: 1.00% Estimated return: 22.65%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1996 Debt/Income ratio: 41%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 11Length of status:26y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 32 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $4,579Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: glimmering-dollar4 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off payday loans
Purpose of loan:
This loan will be used to pay off payday loans and get caught up with bills????

My financial situation:
I am a good candidate for this loan because?I am a hard working servicemember who is just trying to provide a better life for my family.?I am active duty Coast Guard?and have been for more than 20 years. Any help that you can give is greatly apperciated and thank you for your time and attention with this important matter. Below is a list of the loans

Chase Visa - 1200.00
CASHNET- 589.00
200CASH- 254.00
300CASH- 389.00
Brother - 1500.00

Monthly net income: $ 4750

Monthly expenses: $
??Housing: $ 850
??Insurance: $ 100
??Car expenses: $ 491
??Utilities: $ 45
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454288
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 5Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 3 / 3Length of status:0y 0m
Credit score: 680-699 (Apr-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $303Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: thankful-asset 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
Divorced, need new abode
Purpose of loan:
This loan will be used to obtain my own residence after divorce

My financial situation:
I am a good candidate for this loan because? I my debts are low.? ??

Monthly net income: $ 2,000

Monthly expenses: $
??Housing: $ 925.00????
??Insurance: $ 84.00 ??
??Car expenses: $ 100.00
??Utilities: $ 100.00????
??Phone, cable, internet: $ 88.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.38% Starting borrower rate/APR: 28.38% / 30.73% Starting monthly payment: $249.41
 
Auction yield range: 11.04% - 27.38% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1998 Debt/Income ratio: 18%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 9Length of status:15y 6m
Credit score: 700-719 (Apr-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,520Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: the-authentic-auction 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
Early Retirement
Purpose of loan:
Thank you for taking the time to read my loan request!?
I have been working for Georgia State 15.5 years. I have wife and 2 children.
I want to buy my military time into the retirement system.


Monthly net income:?
My income: 2500/mo + 40/mo (Gas Expenses)
Spouse's Income:? $1340/mo
Expenses before:
Credit Cards/Loans: $734
Rent/Mortgage:?$1044
Insurance: $230
Utilities: $520
Food: $400
Miscellaneous: $80
TOTAL EXPENSES: $3008
LEFT OVER: $872 {$3880 - $3008}
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 12.35% Starting monthly payment: $398.57
 
Auction yield range: 3.04% - 11.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 9.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1991 Debt/Income ratio: 8%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:3y 2m
Credit score: 800-819 (Mar-2010) Total credit lines: 10 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $10Stated 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: fabulous-integrity7 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Back Loan from Friend
This loan will be used to pay back a recent loan issued to me by a good friend. I used the money to buy a small stake in the company that I work for on nights & weekends. I needed to come up with the funds quickly otherwise I would have missed out on what I believe was a great opportunity. This loan leaves my friend a bit stretched financially and while I am very grateful to him for helping me out, the last thing I want is for this loan to jeopardize our friendship if he needs the money before the agreed upon terms (which in his case is quite possible).
If this post looks at all familiar, previously I was seeking the funding directly from Prosper members (listing #4537420) but I had to act quickly, so I went to my friend for immediate funding.
My gross earning are $5300 per month. I have paid off my home and car, and I'm never late paying the bills for general living expenses. I did this by working both a full time and part time job. I have worked hard to obtain my excellent credit rating and will do what it takes to maintain it. I can safely make the payments on this loan.I hope you will assist me in rewarding my friend's trust. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $95.93
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1995 Debt/Income ratio: 7%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:6y 8m
Credit score: 760-779 (Apr-2010) Total credit lines: 28 Occupation: Food Service Manage...
Now delinquent: 1 Revolving credit balance: $6,731Stated income:$25,000-$49,999
Amount delinquent: $53 Bankcard utilization: 44%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 8    
Screen name: pound-utopia Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Basement Completion -Last Stages
Purpose of loan:
This loan will be used to complete the last part of my basement for expanded living area for the family and pay off the last of an old bill.

My financial situation:
I am a good candidate for this loan because I have been employed by the same employer for almost 7 years and over-time is consistently offered. I have worked hard to improve and maintain my credit rating by paying on time consistently.? The one item showing for $53 on my credit report is a disputed item for a lawn service that was canceled. The company stated that the item had been cleared, you can imagine my surprise to see it on this report.? Nonetheless, my continued improvement and protection in my credit rating is extremely important to me and I also will pay this item off despite the dispute to keep moving forward.

Also, the Prosper revolving credit balance reported includes the remaining $6300 balance for my automobile loan, which started out at $18,000 about 3 years ago (please note I'm ahead of schedule with this loan) I'm on target to pay it off by year's end. My ACTUAL revolving credit is only $431, all on one credit card and I do not carry balances on my other cards.

I am responsible and plan to pay this loan back earlier than scheduled. I want to say I appreciate all bidders in advance who invest in me and this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455368
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 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: 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-1977 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 / 4Length of status:2y 8m
Credit score: 620-639 (Apr-2010) Total credit lines: 13 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $1,532Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 19    
Screen name: 3bcoach Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 620-639 (Latest)
Principal borrowed: $7,500.00< mo. late: 0 ( 0% )  
620-639 (Jan-2010)
620-639 (Dec-2009)
620-639 (Jun-2008)
 
Principal balance: $3,301.89 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
home improvement
Purpose of loan:
This loan will be used to? home impro.

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

Monthly net income: $ 4500

Monthly expenses: $ 2600
??Housing: $ 1900
??Insurance: $ 110
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet$0
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455466
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1981 Debt/Income ratio: 228%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 11 / 10Length of status:11y 6m
Credit score: 760-779 (Apr-2010) Total credit lines: 40 Occupation: Other
Now delinquent: 0 Revolving credit balance: $80,943Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: reverent-listing 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
Mike's Graduation
Purpose of loan:
This loan will be used to? Pay for my wife and I to travel to the second of my triplet son's graduation

My financial situation:
I am a good candidate for this loan because?I'm starting a second job purely for the purpose of payinf off this loan as quickley as possible.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455482
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $260.15
 
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: Apr-1993 Debt/Income ratio: 5%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:7y 6m
Credit score: 720-739 (Apr-2010) Total credit lines: 18 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $290Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: windandsolar1 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Renewable Energy Inventory
Purpose of loan:
This loan will be used to make an initial inventory purchase for our first solar installation job. We have jobs in hand but we need capital to purchase from our suppliers who will only take prepay orders from our business until we have a history of purchases with them. Without capital we are unable to make the first initial purchase of solar hardware we need to perform jobs.

My financial situation:
I am a good candidate for this loan because I am dedicated to this business and its success. We provide renewable energy system (solar electric, solar thermal and small wind) for residential, commercial and agricultural customers. I have invested over a year of training; we are licensed, bonded and insured. We are organized as an LLC and we are registered with the state.
I am financially sound with high work ethics and dedicated.

Cash flow information:
A typlical solar electric job sells for around $15k.? We have a markup of 30% yielding $4.5k in revenue per job.? We have 3 jobs in hand at this time ready to move.? As you can see the funding from this loan will provide funding for 50% of two jobs.? Currently we have invested out?of pocket personal funds of $22k showing that we are commited to succes for a booming GREEN industry.

THANK YOU!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455494
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $78.90
 
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: Aug-1998 Debt/Income ratio: 30%
Basic (1-10): 8 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 12Length of status:5y 1m
Credit score: 820-839 (Apr-2010) Total credit lines: 22 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $3,421Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: responsibility-trader 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
expanding an existing business
Purpose of loan:
This loan will be used to?
The existing home pet grooming business has reached its earning capacity and needs to re-locate into a larger facility. The business was established in 2000 and has seen sales increases yearly. Would like to expand into pet boarding and/or pet day care. The business is located in a city with a population of nearly 20,000 people. Very few competitors and none with our reputation. Great growth opportunity.

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

The business is debt free and financially secure. I have good supplement income from my job and investments. Yearly income of $50,000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455500
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $588.07
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1995 Debt/Income ratio: 31%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:12y 5m
Credit score: 660-679 (Apr-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 0 Revolving credit balance: $912Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: courageous-investment7 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
401K
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 455506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1995 Debt/Income ratio: 117%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 15Length of status:4y 8m
Credit score: 740-759 (Apr-2010) Total credit lines: 29 Occupation: Clerical
Now delinquent: 1 Revolving credit balance: $29,131Stated income:$1-$24,999
Amount delinquent: $944 Bankcard utilization: 25%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mindful-rupee4 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
Inventory for Retail Store
Purpose of loan:
This loan will be used to secure a larger location, purchase a computer system and?increase inventory in our Non Profit Variety Store.? The proceeds from the store go to help families with traveling expenses as they seek medical treatment for their sick child.? Since opening we have outgrown our current location.

My financial situation:
I am a good candidate for this loan because I have ALWAYS paid my bills on time and will do the same with this loan.? Also, by making this loan you are not only assisting myself, but enabling us to assist more families while providing our community with a quality discounted place to shop and stretch their dollars. IThe business currently brings in over $5000 per month on the storefront and we just added an online store as well.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455512
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.04% Starting borrower rate/APR: 15.04% / 17.21% Starting monthly payment: $260.14
 
Auction yield range: 11.04% - 14.04% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.73%  
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: Aug-1999 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 14Length of status:0y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 34 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $29,478Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: lilembz Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need Lower Interest
Purpose of loan: I have great credit, and am paying above my minimum payments, I made 45K last year, sold income.? I plan to be out of debt in a year.? I took on debt to fund my business.? I have closed the business, and am serious of getting out of this limiting siuation. I still have thousands of dollars I could use with credit cards, however I refuse to use credit cards anymore.? I am a safe loan, and if you have any questions, please feel free to contact me personally.? I have my car loan through Lending Club, and absolutely love peer to peer lending.? I got the loan with Lending Club about 6 months ago.?

My financial situation:
I have great credit, my score was in the 700's, however has dropped into the 673 due to my high debt ratio.? I was the co-owner of a business for 1 year, and invested a lot of money into the business, mostly on credit cards.?I have also been in sales for years. I?have worked part time for the last 5 years, however startin next month I am switchin to work for JP Morgan Chase full time.??I have a solid base plus can make uncapped commissions.? I can easily make 52,000, but I believe I will make 60K or more.???My?husband also owns his?own?business, and is making great income right now. He repairs roofs tha have hail damage.? In the winter he has numerous accounts for snow plowing.? Together?this year we will make?at least 120K this year.? ?I have never been delinquent.? I have 10 years of perfect?pay history.?
Monthly net income: $
5500
Monthly expenses: $
??Housing: $ 0 (our housing is paid for by our church)
??Insurance: $ 169
??Car expenses: $ 320
??Utilities: $ 150
??Phone, cable, internet: $ 210
??Food, entertainment: $ 400
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1000
?Total Expenses are 2249
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455536
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 24.21% Starting monthly payment: $45.25
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1997 Debt/Income ratio: 22%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:11y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 34 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $2,595Stated 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: jman78 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 22 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
620-639 (Aug-2009)
620-639 (Jul-2009)
640-659 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Paying off my Chase Account
Purpose of loan:
This loan will be used to? Pay off my Chase Account.? It is currently 29% interest.

My financial situation:
I am a good candidate for this loan because? I pay my bills on time, I just have a few credit accounts I would like to eliminate because of their high interest.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 395
??Insurance: $ 50
??Car expenses: $ 235
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 75
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455548
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $126.60
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 25.94%  
Lender servicing fee: 1.00% Estimated return: -8.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1988 Debt/Income ratio: 15%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:14y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 26Stated income:$25,000-$49,999
Now delinquent: 3 Revolving credit balance: $3,343 
Amount delinquent: $7,731 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 15    
Screen name: karen9290 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
660-679 (Aug-2007)
660-679 (Jul-2007)
540-559 (Jun-2007)
 
Principal balance: $707.41 1+ mo. late: 0 ( 0% )
Total payments billed: 30  
Description
BACK ON TRACK
Purpose of loan:
(explain what you will be using this loan for) PAY OFF HIGH INTREST CREDIT CARDS.?? I HAVE ENOUGH SAVINGS WITH THIS LOAN TO GET BACK ON TRACK PAY OFF ALL CREDIT CARD DEBT. GOOD RETIREMENT STEADY INCOME LOW HOUSEHOLD EXPENSES SUPPORT ONLY MYSELF,.?? RELIABLE PAYER OWN HOME.?

My financial situation:
(explain why you are a good candidate for paying back this loan)

Monthly net income: $ 3500

Monthly expenses: $ 1600
??Housing: $ 1000
??Insurance: $ 40
??Car expenses: $ 40
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 250
??Other expenses: $ 25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455554
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2001 Debt/Income ratio: 28%
Basic (1-10): 2 Inquiries last 6m: 8Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 16Length of status:7y 7m
Credit score: 660-679 (Apr-2010) Total credit lines: 40 Occupation: Nurse (LPN)
Now delinquent: 0 Revolving credit balance: $16,615Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: reward-innovator Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to? consolidate my credit cards

My financial situation:
I am a good candidate for this loan because? my income & my job is stable as a nurse

Monthly net income: $ 8,000-9,600

Monthly expenses: $3,000
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455562
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $407.12
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1992 Debt/Income ratio: 68%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 16Length of status:1y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 30 Occupation: Other
Now delinquent: 0 Revolving credit balance: $12,849Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: deal-heaven2 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Completing the Puzzle
Purpose of loan:

This loan will be used to consolidate all of our credit cards and pay our son's summer tuition (MOTORSPORTS ENGINEERING).? After finishing school in my forties I was able to obtain my dream job.? Not only was I able to achieve a degree in my forties but my husband did as well.? Together we achieved salaries that we both desired for a great life.? As husband and wife we clear over 6200.00 a month however with both of us in school and the economy souring we took on a lot of debt.? The completion to our jigsaw puzzle is paying off these cards with a consolidation loan.? Without the loan it is like putting a puzzle together and never finding the final piece, you never get to the final payment.? Please help.

My financial situation:

Good candidate because all of our bills are always on time.? One of our financial achievements is having a mortgage interest rate of 5% and making an extra payment each year.? If awarded this loan we will be debt free within 4 months of the end of this loan this includes all debt except mortgage and son's parent plus loan.????

Monthly net income: $ 6250.00

Monthly expenses: $4390.40
??Housing: $ 1100.00
??Insurance: $ included in housing
??Car expenses: $?984.69
??Utilities: $ 205.00
??Phone, cable, internet: $ 99.00
??Food, entertainment: $ 700.00 includes groceries for a family of four
??Credit cards $552.00
? other loans: $ 749.71 Student and personal


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455568
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.50% Starting borrower rate/APR: 32.50% / 34.92% Starting monthly payment: $219.16
 
Auction yield range: 17.04% - 31.50% Estimated loss impact: 19.85%  
Lender servicing fee: 1.00% Estimated return: 11.65%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1990 Debt/Income ratio: 22%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 9Length of status:5y 7m
Credit score: 660-679 (Apr-2010) Total credit lines: 30 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $7,466Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: spry-community 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
Dept consolidation
Purpose of loan:
This loan will be used to pay off my revolving debts so that I can afford my home.

My financial situation:
I am a good candidate for this loan because I am hard working and loyal and need some finacial aid so that I can keep my property. I have been working since the age of 16 in the medical field. I have spent the last 46 years of my life devoting my life to God and helping others. I am in?need of this loan because my financial situation has changed do to a loss of a spouse and need to pay off my revolving debts or I will loose my home. I am asking for $5,000 to pay off credit cards, HOA, and insurance. I am hoping that someone will review my request and take a chance on me. Thank you and God Bless

Monthy 3,463.00

Monthly expenses: $
??Housing 1533.00
??Insurance: $ 150.00
??Car expenses: $ 367.00
??Utilities: $ 75.00
??Phone, cable, internet: $ 90.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 650.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.57% Starting monthly payment: $56.56
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2007 Debt/Income ratio: 67%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:0y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 11 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $1,868Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: benjamins-taiko 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
Engagment Ring
I have currently been with my girlfriend for 3 years.
We have a rock solid Relationship.
I currently have a state job part time. I am taking my civil service test in June to get a full time position.
Right now I am averaging about 1000.00? a month.
I have 2 credit cards with 200-300.00 balances on them.?
I also have car insurance and a car payment.?
We dont currently live together because ?we have traditional values that you do not co-habitate.
Once we are married we will move in together.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455580
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1993 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:0y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 44 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $7Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 2%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 42    
Screen name: ElAbel11 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
580-599 (Sep-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
Paying Taxes
Purpose of loan:
To pay 2009 Taxes/Build Credit score

This is my second loan, the first i paid off in only a few months and the will do the same?with this one. Also, using it to rebuild my credit. My income listed?is only my base and?although I make almost twice this amount and have a wife that makes another $36K, I only spend the base salary and save the rest. Living like we have one income...live and learn right?

My financial situation:
We?are good candidates for this loan because?we have enough income to make this payment and still have enough of a cushion in case of emergencies. I work as a scientist sales consultant for one of the strongest companies in the State (Top in San Diego) in a very stable field and my wife is an Escrow Officer.

Monthly net income: $
$4500 base (4500/3000, Myself/Spouse)

Monthly expenses: $?
mortgage 1600
car payment 407
phone 100
cable 125
insurance?80
food 600
sdge 100
student loan 110
gasoline 250
daycare 1000
water/sewage?120
total obligations per month $4492

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455584
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,850.00 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: $83.69
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1998 Debt/Income ratio: 18%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 5Length of status:4y 9m
Credit score: 600-619 (Apr-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,590Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 15    
Screen name: kully123 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
560-579 (Sep-2008)
 
Principal balance: $605.53 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Paying off my loan and credit cards
Purpose of loan:
Is to pay off my credit cards and pay my loan off from Prosper.

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

Monthly expenses: $ 2220.00
??Housing: $ 690 monthly rent
??Insurance: $ 82.00 car insurance monthly
??Car expenses: $ 357.00 monthly car payment
??Utilities: $ 140.00 mo.
??Phone, cable, internet: $ 75.00 mo.
??Food, entertainment: $ 125.00 mo. food mostly
??Clothing, household expenses $ 40.00 mo.
??Credit cards and other loans: $ 136.00 mo
??Other expenses: $ 575.? daycare for my son per month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $154.68
 
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: Oct-1996 Debt/Income ratio: 9%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 9Length of status:1y 11m
Credit score: 760-779 (Apr-2010) Total credit lines: 23 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $21,298Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 34%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ToddN Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Getting rid of the Ex's debt!
I will use the proceeds of this loan to pay off a credit card balance at 12.9%.

The balance was run up during the division of assets with my former partner.

I'd just like to save a few hundred dollars and ensure I get this paid off in the next three years. I have invested in Prosper in the past, I figured I'd try it from the Borrower side.

All my other revolving debt is at 3% and payments are well within my means.
Thanks for looking and bidding!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455592
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $219.01
 
Auction yield range: 8.04% - 12.00% Estimated loss impact: 8.26%  
Lender servicing fee: 1.00% Estimated return: 3.74%  
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: Jul-1987 Debt/Income ratio: 18%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:1y 6m
Credit score: 720-739 (Apr-2010) Total credit lines: 15 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $67,803Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: YukCornelius Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Card
Purpose of loan:
To pay off a Home Improvement Store card whose interest rate skyrocketed after the promotional date had passed. Used the card to ready a condo for rental when we couldn't sell it in the down market. It worked, but we want to get rid of the high interest on the debt?repayment.

My financial situation:
I am a good candidate for this loan because I'm a full time, vested employee of the Government. Good credit score and flawless repayment history. Looking to make better use of my money than paying a ridiculous store card rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,100.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.59% Starting borrower rate/APR: 10.59% / 12.70% Starting monthly payment: $231.07
 
Auction yield range: 4.04% - 9.59% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.46%  
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: Sep-1994 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 13Length of status:10y 11m
Credit score: 780-799 (Apr-2010) Total credit lines: 39 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $90,523Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: techangel Borrower's state: Minnesota Borrower's group: Fix your credit, then get a loan.
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 29 ( 100% ) 780-799 (Latest)
Principal borrowed: $9,090.00< mo. late: 0 ( 0% )  
780-799 (Dec-2009)
740-759 (May-2007)
760-779 (Sep-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
Paying off credit card
Purpose of loan:
This loan will be used to pay off last remaining credit card!? Once paid off I can close this account and be left with only 1 emergency credit card with no balance and small 2k limit.? We have a home equity loan with 5k available but didn't want to touch that for this purpose.? My last loan through Prosper was great and we were able to pay it off several months early.

My financial situation:
I am a good candidate for this loan because my wife and I have solid jobs and great credit.? We have 2 homes where 1 is being rented for above the mortgage amount.? 1 home?had lower property taxes and the other we had the variable rate reduce and it dropped the payment by $600. We plan on locking that in before rates start rising this year.? This is our 2nd loan through Prosper and that worked out perfect. The lower rate and auto-deduction from the checking account is great. Our only other revolving debt which is listed is a home equity and a smaller credit card with 2k max limit.

We're currently paying at least $500/month on the current credit card so this new payment won't be an issue.

Thanks in advance!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455598
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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 455602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 38.47% Starting monthly payment: $238.18
 
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: Feb-1995 Debt/Income ratio: 56%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Retired
Enhanced (1-5):2 Current / open credit lines: 18 / 14Length of status:5y 6m
Credit score: 700-719 (Apr-2010) Total credit lines: 52Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $1,441 
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: sharon526 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 / 2 On-time: 15 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,900.00< mo. late: 0 ( 0% )  
700-719 (Nov-2009)
620-639 (Aug-2009)
640-659 (Sep-2008)
620-639 (Aug-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 15  
Description
HUGE HOME PROJECT
Purpose of loan:
This loan will be used to? Hire a contractor? too dig my family a deep well for water.

My financial situation:
I am a good candidate for this loan because? I always pay my bills on time. I am retired but i still pay my bills. I am no stranger to the Prosper community, because this will be a third loan. My track record is spotless.I?feel that i am a great candiate for this loan also, and i a trustworthy person.

Monthly net income: $?

Monthly expenses: $
??Housing: $ My husband and I r responsible?for all household bills.
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 49.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 60.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455608
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.38% Starting borrower rate/APR: 11.38% / 13.50% Starting monthly payment: $510.24
 
Auction yield range: 4.04% - 10.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1993 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:1y 7m
Credit score: 740-759 (Apr-2010) Total credit lines: 19 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $20,344Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: FPGA 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
Bailing Out Citibank
Purpose of loan:
This loan will be used to pay off my Citibank credit card.? I have spent the past few years digging out of debt I ran up while in grad school.? A few months ago Citibank decided that since I am such a good customer, they would raise my APR to 29.99%.? Since I never miss a payment, this was an easy way for them to make more money off of me.? Instead of paying down the loan at a rapid pace, I feel like I am treading water at this usurious interest rate.
Additionally, I will also pay off a couple of low balance, low rate credit cards in order to have 0 credit card debt.
My financial situation:
I am a good candidate for this loan because I do not miss payments.? My income/monthly payment leaves plenty of headway to continue to build liquid savings as I pay down my debt.
I have a $10,000 student loan with fixed monthly payments and a $2.3% interest rate. Some of the revolving balance is the credit card I use of everyday purchases and pay down to 0 every month.

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455610
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-2003 Debt/Income ratio: 9%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:0y 6m
Credit score: 720-739 (Apr-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 1 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $203 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: commitment-rhythm 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
Startup for Photography Studio
Purpose of loan:
This loan will be used to acquire the necessary equipment and working capital for startup.

My financial situation:
I am a good candidate for this loan because of my good credit score, brilliant business plan, and the?support of my?fiancee, family/friends.?Despite the financial ruin immediately following my divorce, I have made great efforts to repair my credit history;?there were many initial delinquencies, some quite large ones,?and now the?few small?ones?remaining are next on the?list to be repaired.?Making the monthly payments for this loan will be made possible?via the business cashflow as a monthly?bill that may be drafted from my bank account. I have always endeavored to keep promises to pay, not taking loans lightly, not getting in over my head?(and have done so even though it was not my promise to pay)

I am asking for a small loan to start so as to stay in line with an affordable monthly payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455628
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 19.50% Starting borrower rate/APR: 20.50% / 24.30% Starting monthly payment: $37.42
 
Auction yield range: 8.04% - 19.50% Estimated loss impact: 8.45%  
Lender servicing fee: 1.00% Estimated return: 11.05%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-2007 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 3 / 3Length of status:4y 11m
Credit score: 720-739 (Apr-2010) Total credit lines: 4 Occupation: Other
Now delinquent: 0 Revolving credit balance: $75Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: eloquent-silver8 Borrower's state: Colorado Borrower's group: Military Lending 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
Investing into Prosper
Purpose of loan:
This loan will be used to re-invest into Prosper. I am new to Prosper and would like to try both aspects of it.

My financial situation:
I am a good candidate for this loan because I make more then enough to make this relatively small monthly payment. I always make my payments on time and I will be paying my payments via automatic allotment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455634
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1985 Debt/Income ratio: 49%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 10Length of status:0y 5m
Credit score: 680-699 (Apr-2010) Total credit lines: 38 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $50,241Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: silver-sapling Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Debt
Purpose of loan:
This loan will be used to? pay off several credit cards.

My financial situation:
I am a good candidate for this loan because? I pay all bills that I have created.??

Monthly net income: $ 4156

Monthly expenses: $
??Housing: $ 819
??Insurance: $ 72?
??Car expenses: $ 0
??Utilities: $ 175
??Phone, cable, internet: $ 51?
??Food, entertainment:?? $ 125?
??Clothing, household expenses $?100
??Credit cards and other loans: $?1000
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455638
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1992 Debt/Income ratio: 35%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 8Length of status:4y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 42 Occupation: Principal
Now delinquent: 0 Revolving credit balance: $7,557Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: collider 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 / 1 On-time: 8 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< mo. late: 0 ( 0% )  
720-739 (Aug-2009)
 
Principal balance: $3,359.76 1+ mo. late: 0 ( 0% )
Total payments billed: 8  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off one credit card.

My financial situation:
I am a good candidate for this loan because? I am a veteran and principal. I am already in excellent standing with a previous Prosper loan. I am working and will be able to?make consistent payments.?The credit card company continues to charge a high interest rate. This cards balance got so high because we consolidated debt from school loans and medical bills.?My last payment of $400 did not even pay down the principal. The interest totaled $453 for the month, so I will never pay this off without your help. The next payment due is $645. I make excellent money and I cannot keep up with the interest. Please help! ?I am credible and a good citizen. Thank you for helping my family in our time of need.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $542.83
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2008 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 2Length of status:0y 4m
Credit score: 720-739 (Apr-2010) Total credit lines: 4 Occupation: Military Enlisted
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: durability-galleon 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
Buying used car for transportation
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455644
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 27.38% Starting borrower rate/APR: 29.38% / 31.75% Starting monthly payment: $252.68
 
Auction yield range: 11.04% - 27.38% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1996 Debt/Income ratio: 17%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 4Length of status:3y 2m
Credit score: 660-679 (Apr-2010) Total credit lines: 10 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,371Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: pragmatic-dollar Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
LOAN
Purpose of loan:
This loan will be used to?consolidate some debt that I have.

My financial situation:
I am a good candidate for this loan because?I will everything in my power to pay of this prosper loan, I will have the amount paid off as soon as possible ,I will also try to pay it off before the end of the term. Thank You.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455650
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1995 Debt/Income ratio: 73%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 10Length of status:7y 4m
Credit score: 720-739 (Apr-2010) Total credit lines: 30 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $55,928Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: SynergyPerformanceLoans 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
Credit Cards have Got to GO!
Purpose of loan:
I will be paying off multiple Credit Card accounts.

My financial situation:
I have been working for the?same company for over 7?years, plus I have a second business of 3 years that provides income (not included in my annual amount listed).? The payments that I've been making to pay off my balances?are roughly $200 higher than what the payment for this loan will be.? So for the last 3 years or so I've been making a much higher payment than what this loan will require, yet haven't seen an acceptable (to me) drop in principal balance of my accounts.? In the?case of the Prosper loan I would have been paid off!? Also,?my wife has been with her company for over 9 years and makes roughly what I do annually (again, not included in the annual income listed).?

I pay my bills, but due to high credit utilization?ratio my score is a lower than I'd like.??Alot of that?is due to running my business as a sole proprietorship, so?business debt?shows?on?my personal report.?This loan will be paid as agreed, if not sooner.

Thanks for your consideration, happy bidding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455652
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1975 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 15Length of status:1y 5m
Credit score: 700-719 (Mar-2010) Total credit lines: 43 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $103,533Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: direct-hope3 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit cards
Purpose of loan:
I want to beat the current credit rates and?I am hopeful to pay off larger interest cards and be in a postion to pay more on those with reasonable rates.? I am hopeful to get ahead of the game instead of staying status quo and paying only minimum payment amounts.

My financial situation:
I am your best kind of candidate - I pay all bills on time but wish to better my financial position and have more money available to pay all credit cards to a quicker zero balance.

Monthly net income: $ 7715.73

Monthly expenses: $
??Housing: $ 1458.10
??Insurance: $310.00
??Car expenses: $?574.00
??Utilities: $ 265.00
??Phone, cable, internet: $ 188.00
??Food, entertainment: $?400.00???
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $?2500.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455656
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $298.20
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 20.38%  
Lender servicing fee: 1.00% Estimated return: 3.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1996 Debt/Income ratio: 42%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 11 / 8Length of status:1y 9m
Credit score: 600-619 (Apr-2010) Total credit lines: 54 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $8,526Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: Bratt79 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,800.00< mo. late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $1,020.55 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
2nd Prosper Loan for a Wedding!
Purpose of loan:
This loan will be to pay for a wedding sept 18, 2010. ?

My financial situation:
I am a good candidate for this loan because, I and my fiance both work Full Time jobs while raising 2 kids and going to school.?This is my second loan with Prosper and I have a 100% re-payment history. You cant go wrong with investing with my loan. Great return!
Monthly net income: $ for the household $3500

Monthly expenses: $
??Housing: $ 725.00
??Insurance: $ 150.00
??Car expenses: $ 250.00, 1 car payment
??Utilities: $ 85.00
??Phone, cable, internet: $?45, we live with just basic?cable and internet :)
??Food, entertainment: $ 200, we always cook at home and rarely go out for entertainment
??Clothing, household expenses $?0
??Credit cards and other loans: $ 250
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455662
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $223.84
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1990 Debt/Income ratio: 653%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 26 / 24Length of status:21y 1m
Credit score: 780-799 (Apr-2010) Total credit lines: 48 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $140,608Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: unforgettable-p2ploan8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit.
Purpose of loan:
This loan will be used to? pay off high interest credit which will make roll up proceed faster.

My financial situation:
I am a good candidate for this loan because? the current weak economic condition has affected all of us;? nevertheless, I still have sufficient reserves and I am able to meet my obligations.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455664
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $164.12
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2000 Debt/Income ratio: 33%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:0y 9m
Credit score: 680-699 (Apr-2010) Total credit lines: 28 Occupation: Chemist
Now delinquent: 1 Revolving credit balance: $8,794Stated income:$25,000-$49,999
Amount delinquent: $120 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: creative-felicity 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
need a feul efficient vehicle
Purpose of loan:
This loan will be used to get a more feul efficient vehicle. I am in the national guard and drive over 50 miles each way at least twice a week not including driving back and forth to my normal place of employment. My Xterra SUV just isn't cutting it.

My financial situation:
I am a good candidate for this loan because it is a realitive small amount and I will be using my FTHB tax credit to pay it back quicky.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455670
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $169.68
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1996 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 14Length of status:4y 4m
Credit score: 660-679 (Apr-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $36,654Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bid-caballero 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
Hearing Aids
Purpose of loan:
This loan will be used to pay the balance due on my daughter's hearing aids and fund our trip to a medical/family conference.

With two children away at college and one disabled child at home with large medical needs I've recently been forced to put more on credit cards than I like. This loan is an attempt to keep from adding to the credit card balances.
My financial situation:
I am a good candidate for this loan because I have a consistent paycheck and am never late on my bills.

Monthly net income: $ 5500

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 140
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??Other expenses: $ 400

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455674
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2008 Debt/Income ratio: 18%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:0y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 4 Occupation: Student - College F...
Now delinquent: 0 Revolving credit balance: $1,059Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: auction-gusto Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
COLLEGE STUDENT IN NEED OF A CAR
Purpose of loan:
This loan will be used to purchase a quality used vehicle.? I need?the vehicle so I can go to work and take summer classes on campus during the summer time.?
My financial situation: I have $2300 saved in my checking/savings account and I am employed.
I am a good candidate for this loan because?I have virtually no debt.? I am a student that works at a on campus dining hall 40hrs every two weeks.? I make?about $360 every 2 weeks.??

Monthly net income: $ 720.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $0?
??Utilities: $ 0
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 100
??Other expenses: $ 40 (salon)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455680
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1997 Debt/Income ratio: 42%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 6 / 6Length of status:11y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 5 Revolving credit balance: $316Stated income:$25,000-$49,999
Amount delinquent: $216 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 3 Homeownership: Yes  
Delinquencies in last 7y: 12    
Screen name: NEWMUSICJBD2 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
CONSOLIDATION
Purpose of loan:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455682
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $297.31
 
Auction yield range: 14.04% - 19.00% Estimated loss impact: 14.84%  
Lender servicing fee: 1.00% Estimated return: 4.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2004 Debt/Income ratio: 27%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:6y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 7 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $3,607Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: funds-jet 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
furnishing 1st home
Purpose of loan:
This loan will be used to furnish my newly purchased home and some kitchen updates.

My financial situation:After taxes my monthly salary is roughly 3354.98. My current mortgage is 1125 which is split in half due to the fact that my fiancee is a co owner of our new home. My auto loan is 664 a month. Auto Insurance is 189 a month. $90 a month for the cell phone bill. $120 for cable and internet. $35 for water and sewage. $175 a month for my 2 credit cards, the military star card balance will be paid off May 1 2010 with the money we got back from closing on the home. That leaves me roughly 1518.98 a month for gas, groceries and misc. expenses.
I am a good candidate for this loan because I am need of extra cash for the home improvements, and do indeed plan on paying bak this loan in a timely manner with the $8000 tax credit we will be receiving next tax season.

Monthly net income: $4007

Monthly expenses: $ 1836
??Housing: 1125 mortgage(563 is what me and my fiancee split)
??Insurance: $189
??Car expenses: $140
??Utilities: $100
??Phone, cable, internet:$ 210
??Food, entertainment: $200
??Clothing, household expenses $120
??Credit cards and other loans: $175
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 33.50% Starting borrower rate/APR: 34.50% / 38.64% Starting monthly payment: $44.95
 
Auction yield range: 11.04% - 33.50% Estimated loss impact: 10.85%  
Lender servicing fee: 1.00% Estimated return: 22.65%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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): 7 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 1 / 0Length of status:0y 4m
Credit score: 680-699 (Apr-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: enterprising-value5 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
660-679 (Feb-2010)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 1  
Description
Loan for Advertising Campaign
Purpose of loan:
This loan will be used to? run a advertising campaign for an existing business.

My financial situation:
I am a good candidate for this loan because? I have zero to no overhead, and I will be able to pay back the loan in a timely fashion with the profits from the campaign. I'm currently living at my parents house, attending graduate school online, and starting a small business. I am not sure if you are able to see my loan repayment history here on Prosper, but I have a plan to repay the loan over the course of the next six months.

Monthly net income: $ 1086.00

Monthly expenses: $ 439.00
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 189
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455704
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $63.95
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2006 Debt/Income ratio: 16%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:7y 11m
Credit score: 700-719 (Apr-2010) Total credit lines: 11 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $5,404Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: stable-listing7 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
No More Credit Cards!!
Purpose of loan:
Paying of credit cards that kept me afloat through college.?I would like to clear all of my debt so that I can improve my credit rating and get a house before I finish grad school.

My financial situation:
I'm a stable borrower and have never defaulted on anything?(not even once!).?

Monthly net income: $
$2000
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 455712
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,100.00 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: $174.38
 
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-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 3 / 2Length of status:1y 8m
Credit score: 720-739 (Apr-2010) Total credit lines: 14 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $7,490Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 48%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: urbane-finance6 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off debt: Great Credit Score
Purpose of loan:
This loan will be used to will be used to consolidate some debt I have left over from college in order to pay if off at a lower rate.

My financial situation is very good with stable income coming in every month.:
I am a good candidate for this loan because I have an excellent credit rating that I have worked hard to secure and will not let anything miss that up. I thank you for your consideration for this loan and I thank you for your help in this matter.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455714
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $190.77
 
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: Dec-2003 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:7y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 14 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $18,251Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: zebra6 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
Paying off a high interest CC
Purpose of loan:
This loan will be used to consolidate a higher interest credit card I had in my early 20's that I got a bit carried away with.? Despite my bad spending habits from a few years ago I've been able to manage my money alot better after signing up on mint.com.
I know it may not look like i make a large amount annually, but I do live at home with my parents which cuts out a large monthly expense. I have never been late with any payment in the past and am planning on keeping it that way.
Plus, I find it much easier to pay off loans rather then credit cards, which is one of the reasons I decided to try getting a loan here.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455716
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1993 Debt/Income ratio: 18%
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 21 / 19Length of status:11y 8m
Credit score: 600-619 (Apr-2010) Total credit lines: 34 Occupation: Professional
Now delinquent: 5 Revolving credit balance: $13,016Stated income:$50,000-$74,999
Amount delinquent: $1,099 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: GRACIE1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 55 ( 93% ) 600-619 (Latest)
Principal borrowed: $3,000.00< mo. late: 2 ( 3% )  
540-559 (Feb-2008)
540-559 (Jan-2008)
480-499 (Sep-2006)
500-519 (Sep-2006)
 
Principal balance: $364.54 1+ mo. late: 2 ( 3% )
Total payments billed: 59  
Description
paying off credit cards
Purpose of loan:
This loan will be used to?.To help cover some credit card?bills.I don't care what the interest rate is I would pay every penny back I did it before and I WILL DEFINETLY DO IT AGAIN.? this loan could be provided to me with god love and speed and I definetely would not let anyone down I have already paid off a loan very gracefully and would do the same for this one. I?am capable of?doing this repayment also?I'm an? 20 year security specialist and veteran from the military as well?I strongly?believe in faith and is also?a loving father?I'm not motivated?to renege on a loan because I believe your credit?is your security life line. This loan would be a big help.I'm an honest man who is so dedicated and eager ?to repay back this loan from my verified account and is willing and able to prove it?once again to?everyone who?bidded on my loan request before so?please come back i'm also committed to becoming an lender in the near future to give someone like me and others the opportunity to get started with their?quest for a loan,?thank you all who will, and God Bless.I can use the help of a few good bidders thanks guys and wish my family good luck.

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

Monthly expenses: $?2,830
??Housing: $ 1300
??Insurance: $ 120.00
??Car expenses: $ 0
??Utilities: $ 300.00
??Phone, cable, internet: $ 260.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 86.00 Prosper
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 25.56% Starting borrower rate/APR: 26.56% / 28.89% Starting monthly payment: $811.79
 
Auction yield range: 8.04% - 25.56% Estimated loss impact: 9.11%  
Lender servicing fee: 1.00% Estimated return: 16.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:0y 2m
Credit score: 760-779 (Apr-2010) Total credit lines: 18 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $6,333Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: silver-sanctuary7 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory for Startup
Purpose of loan:
This loan will be used to procure inventory for a start-up business; a unique retail concept known as an "occasional sale" whereas my company New Modern Home?will open?its doors for four days each month to sell our latest finds; one-of-a-kind?and unique?furniture, accessories, decor and more an eclectic mix of old and new merchandise.? Then we'll close for the rest of the month and start all over again and when we reopen the next month, we will have new inventory as well as a fresh new look.? Occasional sales are the ultimate destination shopping experience?creating?intrigue as you never know what you'll find so if you like something you better buy it, because once it's gone, it's gone.? ?

My financial situation:
I am a good candidate for this loan because failure is not an option.?Our pro-forma financial statements indicate that??by keeping our operating costs low?compared to?a typical retail concept New Modern Home's monthly cash flow will be adequate to repay those who are willing to invest in this worthy small business endeavor.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455728
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 22.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $196.16
 
Auction yield range: 8.04% - 22.00% Estimated loss impact: 7.52%  
Lender servicing fee: 1.00% Estimated return: 14.48%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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): 7 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:$25,000-$49,999
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 Grow Internet Business
Purpose of loan:
This loan will be used to provide capital to scale my internet marketing business. I promote Lasik clinics locally in the Chicago area and I have a marketing system that works exceptionally well. My clients are very happy and continue to pay me monthly. In order for me to scale this business I need to:
Pay for direct mail advertising to Lasik Clinics in other cities.Pay to fund the initial pay-per-click advertising fees.Pay for website and landing page development for new clients
I am generating a nice and steady income with this business, and I am going to grow my business with your help.
My financial situation: I have over 780 credit and always pay my bills on time. My monthly expenses are about $2500 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 455730
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 15.03% Starting borrower rate/APR: 16.03% / 18.21% Starting monthly payment: $527.58
 
Auction yield range: 6.04% - 15.03% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1987 Debt/Income ratio: 29%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 20 / 17Length of status:10y 4m
Credit score: 740-759 (Apr-2010) Total credit lines: 47 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $135,293Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: thrilling-camaraderi2 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff CC
Purpose of loan:
This loan will be used to payoff some high interest rate credit card balances

My financial situation:
I am a good candidate for this loan because I always pay back my personal obligations.?I believe interest rates charges by credit companies are largely unfair.? I don't live an extravagant lifestyle and spend most of my free time working.? Afterall, I work for Citibank - I never sleep!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455734
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 13.56% Starting monthly payment: $32.27
 
Auction yield range: 4.04% - 9.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2005 Debt/Income ratio: 4%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 2Length of status:1y 3m
Credit score: 700-719 (Apr-2010) Total credit lines: 3 Occupation: Other
Now delinquent: 0 Revolving credit balance: $4,900Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: geekytouchdown Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for graduate school
Purpose of loan:
I am currently enrolled part time in a Masters of Public Administration program. This loan is an investment that will pay for tuition.

My financial situation:
I am currently working full time at a nonprofit that is seeking to expand. I also have a small IT consulting business on the side.

Monthly net income: $2100

Monthly expenses: $900

Housing: $0 (living with family, rent prepaid for the year)
Food: $200
Utilities: $200
Transportation: $100
Credit Cards: $200
Other Expenses: $200

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455746
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.04% Starting borrower rate/APR: 12.04% / 14.17% Starting monthly payment: $830.84
 
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: Jun-1984 Debt/Income ratio: 27%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 22 / 20Length of status:21y 9m
Credit score: 700-719 (Apr-2010) Total credit lines: 63 Occupation: Postal Service
Now delinquent: 0 Revolving credit balance: $113,203Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: superb-integrity414 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 down the credit cards
Purpose of loan:
This loan will be used to? Pay down some credit cards. I have been trying to get a mortgage on a home we own free and clear to pay off all our debt, but since we already have more than 4 mortgages, (rental property)? it is difficult to find a lender. While we were in the process, my credit card companies started lowering my limits to where my balances were. This is artificially lowering my credit score. THIS IS WHY THE CREDIT UTILIZATION SHOWS 80 %- every time I pay down a card, the credit card company lowers the limit down to where the balance is !? When one of the scores dropped below 720 the hard to get mtg was declined. I have not even made a late payment on any of my credit cards but I understand they are doing this to everyone now.? So now I want to pay off, or down, the credit cards in order to get the mortgage.? I could also use a hard money lender with the house as collateral, and the lender being the mtg holder, but they ask too high a rate, and my credit is good I shouldn't have to pay loan shark interest!? I am very reliable and honest, and my credit rating is important to me and my hobby (real estate).? I have three homes that I own free and clear that I could have in another day and time, just gotten the equity out of, but banks aren't lending now!? Help me to pay the cards off so I can get the mortgage, in turn paying you off early!? Prosper is showing $113K in revolving credit but $75K of that is a second mtg. not credit cards.

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

Monthly net income: $ 10000

Monthly expenses: $
??Housing: $ 1420
??Insurance: $ 298
??Car expenses: $ 450
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ varies
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455748
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 33.23% Starting borrower rate/APR: 34.23% / 37.38% Starting monthly payment: $58.24
 
Auction yield range: 17.04% - 33.23% Estimated loss impact: 19.96%  
Lender servicing fee: 1.00% Estimated return: 13.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1992 Debt/Income ratio: 29%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 11Length of status:12y 6m
Credit score: 660-679 (Apr-2010) Total credit lines: 34 Occupation: Computer Programmer
Now delinquent: 2 Revolving credit balance: $18,605Stated income:$75,000-$99,999
Amount delinquent: $2,253 Bankcard utilization: 113%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: bossfanct Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 91% ) 660-679 (Latest)
Principal borrowed: $5,000.00< mo. late: 2 ( 9% )  
660-679 (May-2008)
620-639 (Jun-2007)
 
Principal balance: $2,013.39 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Pay off high interest 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 455750
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $198.80
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1990 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 9Length of status:5y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 1 Revolving credit balance: $9,913Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: gravity8 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
Closing High Interest Rate Cards
Purpose of loan:
This loan will be used to? pay off unreasonably high interest rate credit cards.

My financial situation:
I am a good candidate for this loan because? regardless of the algorithm used to determine my score, I have never paid late.? Anything outstanding is being disputed.

Monthly net income: $ 2600.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 90.00
??Car expenses: $ 100.00
??Utilities: $ 0
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ ?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $143.60
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1993 Debt/Income ratio: 10%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:5y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 13 Occupation: Teacher
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: Yes  
Delinquencies in last 7y: 0    
Screen name: dynamic-trade5 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to? make updates to my house.?
My financial situation:
I am a good candidate for this loan because?the only?debt I have besides my house is another personal loan which?is in good standing?

Monthly net income: $
$3000
Monthly expenses: $
??Housing: $ 1252
??Insurance: $ 0
??Car expenses:?0
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 287
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $17,800.00 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: $721.45
 
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: Aug-1998 Debt/Income ratio: 33%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 12Length of status:3y 0m
Credit score: 720-739 (Apr-2010) Total credit lines: 34 Occupation: Other
Now delinquent: 0 Revolving credit balance: $60,260Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: topher156 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 720-739 (Latest)
Principal borrowed: $15,000.00< mo. late: 0 ( 0% )  
700-719 (Jul-2008)
700-719 (May-2008)
700-719 (Apr-2008)
 
Principal balance: $7,178.66 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Paying off my credit cards
This loan will be used to pay down my credit card debt faster than I ever could with interest rates are high as they are.? I could pay $600 a month towards my credit cards for years, but with this loan I can pay around the same amount and be sure that it is paid off at the end of three years.? I received a prosper loan around 20 months ago and using it to pay off my wife's credit cards has helped significantly.? Due to this I was finally able to get a small emergency fund set aside and pay more than the minimum payment on each of my cards every month.

Now I would like to take out one more loan to take the remaining credit cards averaging around 28% APR down to something more manageable.? I believe that if I use this to pay off those two cards, I can put the rest of my money towards one last card.? I will also be able to put a small amount towards fixing one of my biggest mistakes.? I purchased a timeshare right when I got married and did not realize what I was getting into.? Turns out that it's resale value is half of what I purchased it for.? Finally I'm just a small amount away from being able to sell the timeshare and recover another $300 a month to pay towards my debt.

With this loan I believe I can pay off all of my debt except my mortgage and heloc in the next 3 years.


My financial standing:

I am a good candidate for this loan because my wife and I both have stable well-paying jobs.? In fact both of us have even been promoted recently.? All of my monthly payments are paid through automatic payments and well in advance of their due dates.? Also, I have never missed a single payment on my existing prosper loan and this loan will be automatically deducted from my bank account as well.? In addition to this, I do have a small emergency fund that I have built up.

Thank you for taking the time to read my post.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 23.07% Starting borrower rate/APR: 24.07% / 26.36% Starting monthly payment: $577.26
 
Auction yield range: 17.04% - 23.07% Estimated loss impact: 26.32%  
Lender servicing fee: 1.00% Estimated return: -3.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2007 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 10Length of status:2y 11m
Credit score: 600-619 (Apr-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,859Stated income:$0
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ptnglobal Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
620-639 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
DEBT CONSOLIDATION-NEVER BEEN LATE
Purpose of loan:
?The main purpose: I want to consolidate all my debts?into one monthly payment and reduce the interest rate on the credit cards/loan.
This loan will be used to pay the following:
CREDIT CARD DEBT: Approximately $6,000
CAR LOAN: $4,700
CAR INSURANCE PREMIUM: $2,900
NEW LAPTOP AND SOFTWARE FOR MY BUSINESSES: $1,100
TOTAL: $14,700

My financial situation:
I have never missed a payment on my credit cards?since I received my first credit card three years ago and never on a loan. My credit rating is low because of??most of my credit cards have been fairly close to being maxed out for quite some time and this is why I am here now. I run a precious metals (buying and selling coins, bars, etc.) business on the side and?it requires?a lot of cash on hand to?invest in inventory purchases and most of my money is tied up,?and this is the major reason I have been only making minimum payments on my credit cards. Additionally, I have had a loan with Prosper before and it is completely paid off and I never missed a payment.

My sources of income are the precious metals business I mentioned above, short term trading in the forex market, buying/selling estate and garage sale items on the internet, dividends, and I am also selling generic electronics on the internet such as cell phones. I have several streams of income and I always plan ahead. I know this loan money comes from people like myself trying to make a profit and I promise I will not ever miss a payment on this loan. If something unforseen happens, I can get a job almost immediately through a family member and if that doesn't happen in time, I can get a loan from a family member until I am stable again. And in the event that that does not work, I have enough assets to sell to pay off this loan (gold bars, stocks, car, computer, laptop,?etc.) In conclusion, I have several sources of income and I have?three backup plans. I should not have any trouble though, I have been paying a monthly $350-400 credit card bill and $300 insurance bill for the last year and a half and this loan will consolidate that into one payment of a lower amount.

Lastly, I would like to note that my expenses are very low. I am currently a student in the University of Washington business school and live rent free at my parent's home until I graduate.

Monthly net income: Varies-$ 1600-2300 on average

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 308
??Car expenses: $150
??Utilities: $ 0
??Phone, cable, internet: $0
??Food, entertainment: $ 140
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 355
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455758
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1997 Debt/Income ratio: 6%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 2 / 1Length of status:17y 7m
Credit score: 660-679 (Apr-2010) Total credit lines: 9 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: rapid-justice3 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
Personal
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1999 Debt/Income ratio: 21%
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 10Length of status:2y 3m
Credit score: 620-639 (Apr-2010) Total credit lines: 27 Occupation: Tradesman - Mechani...
Now delinquent: 1 Revolving credit balance: $17,281Stated income:$25,000-$49,999
Amount delinquent: $13,343 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 11    
Screen name: StayingOnTrack Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
660-679 (Jul-2007)
 
Principal balance: $337.71 1+ mo. late: 0 ( 0% )
Total payments billed: 32  
Description
A Credit Improvement
Purpose of loan:
This loan will be used to make inside & outside home improvements, so we can list our house for sale by the end of the summer and move to another home. I also will pay off my current prosper loan that will only?has about?less than $340.00 less to pay back, which will reduce my monthly obligations $87.03 a month!

My financial situation:
I am a good candidate for this loan because I have a steady career and always make good I my accounts.

Monthly net income: $ 4123.00

Monthly expenses: $ 3379.00
??Housing: $ 1368.00
??Insurance: $ 75.00
??Car expenses: $ 423.00
??Utilities: $ 235.00
??Phone, cable, internet: $ 220.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 253.00
??Other expenses: $ 180.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455764
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2002 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:2y 1m
Credit score: 720-739 (Apr-2010) Total credit lines: 22 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $3,683Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: agreement-dreamer 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
Getting back on the right track
Purpose of loan:
Short version: I'll use this money to pay back a loan my parents gave me. Long version: I am a 25-year-old professional who ran up quite a bit of credit card debt while I was in college/grad school and was being killed by high interest rates. I consulted a debt counselor, and she advised me to declare bankruptcy. But I felt like that was quitting, and I'm not a quitter. Eventually my parents took out a loan in their name and used the money to pay off most of my cards. I've been making the payments on that loan for six months, but they would like me to find a way to put it back in my name.

My financial situation:
I may not be the best candidate for a loan on paper, but I just need someone to have a little faith in me. I've learned my lesson about spending beyond my means, and have really pared back my expenses over the last year. I'm already making regular $500 monthly payments to my parents on this debt. I have a master's degree, a steady (if somewhat low-paying) job, and parents who are supportive of my attempt to fix my finances. I'm looking forward to getting out from under my debt and building a more secure future for myself with your help. Thank you! :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.38% Starting borrower rate/APR: 28.38% / 30.73% Starting monthly payment: $311.77
 
Auction yield range: 11.04% - 27.38% Estimated loss impact: 10.68%  
Lender servicing fee: 1.00% Estimated return: 16.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1995 Debt/Income ratio: 29%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:29y 2m
Credit score: 660-679 (Apr-2010) Total credit lines: 34 Occupation: Postal Service
Now delinquent: 0 Revolving credit balance: $23,498Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: kctrick Borrower's state: Ohio Borrower's group: Government Employees
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $18,500.00< mo. late: 0 ( 0% )  
680-699 (Mar-2008)
660-679 (May-2007)
640-659 (Feb-2007)
 
Principal balance: $3,278.06 1+ mo. late: 0 ( 0% )
Total payments billed: 35  
Description
Prosper=Lower rates than Chase
Purpose of loan: The interest rates on all of my credit cards have risen too high the past year, despite my timely payment history. I'd rather owe the Prosper community money than Chase, HSBC and Capital One
?financial situation:
(explain why you are a good candidate for paying back this loan) I've been employed by the USPS for over 30 years.I'm guaranteed to never be laid-off by contract.?I work an average of?45 hours weekly.My credit score has gone down to 693 despite owing $12,000 less than 2 years ago. As I've payed down debt, the credit card companies have lowered my limit, while raising my interest rate by an average of 7% higher than it was.

Monthly net income: $ 4,000.00

Monthly expenses: $
??Housing: $ 640.00

??Insurance: $?70.00??Car expenses: $225.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 1300.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455782
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 14.62% Starting borrower rate/APR: 15.62% / 15.98% Starting monthly payment: $402.15
 
Auction yield range: 3.04% - 14.62% Estimated loss impact: 1.52%  
Lender servicing fee: 1.00% Estimated return: 13.10%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1996 Debt/Income ratio: 24%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 12Length of status:3y 7m
Credit score: 800-819 (Apr-2010) Total credit lines: 32 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $3,645Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: studious-leverage1 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
payoff credit cards
Purpose of loan:
This loan will be used to? consolidate credits into one monthly payment.

My financial situation:
I am a good candidate for this loan because? I pay all of my bills on time and always have. I just want to to reduce my monthly payments and consolidate all credit cards into one bill. My job pays well.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455784
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1999 Debt/Income ratio: 22%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:3y 2m
Credit score: 600-619 (Apr-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 0 Revolving credit balance: $208Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: Se77vN Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,700.00< mo. late: 0 ( 0% )  
600-619 (Jan-2008)
600-619 (May-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 11  
Description
Buying Motorcycle-2nd prosper loan
Purpose of loan:
This loan will be used to purchase a new/used motorcycle. I understand that gas will be going back up to roughly $4.00 per gallon this summer and would like to offset some of the fuel costs I currently have with a more economical option.

My financial situation:
I am a good candidate for this loan because I have used prosper before, and proved myself to be trustworthy recipient of funds. I have also cleared out a vast majority of my debt after my chapter 7 was discharged in 2009. If you were to look at my past credit history, you will see that I do pay my bills on time, and have learned to manage my credit in a smart and efficient manor. It is now time to start building my credit back up, and this will be a great opportunity for me to accomplish that. I have sufficient disposable income after all bills and expenses are paid every month. I just do not have the credit to actually go out and finance a motorcycle. I also split my rent and housing expenses between 2 other people with who I have known for more than 10 years, so it is much more manageable than paying these costs on my own.

Monthly net income: $2479.68

Monthly expenses: $
??Housing: $367 per month
??Insurance: $137 per month
??Car expenses: $314
??Utilities: $100
??Phone, cable, internet: $100
??Food, entertainment: $150
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $100
Total expenses: $1,568 per month, leaving $911.68
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455786
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 7.34% Starting monthly payment: $92.63
 
Auction yield range: 3.04% - 6.00% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2001 Debt/Income ratio: 14%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:2y 11m
Credit score: 760-779 (Apr-2010) Total credit lines: 30 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $2,725Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: vailak Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high rate credit cards
Purpose of loan:
This loan will be used to pay off high interest credit card debt

My financial situation:
I am a good candidate for this loan because? I work as a Mechanical Engineer and have stable full time job?and been with same company for last three years.?I pay all my monthly bills?on time and have a very good credit history. But unfortunately, good credit history and good credit score could stop my credit card interest rate go higher recently. So I will be using this loan to pay off high rate credit card balance.

Monthly net income: $ 3950 after all deductions
Yearly Bonus: $ 4000 after Tax for 2009

Monthly expenses: $
??Housing: $ 805
??Insurance: $?80
??Car expenses: $500?
??Utilities: $ 80
??Phone, cable, internet: $?125
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $?250
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $588.49
 
Auction yield range: 17.04% - 23.00% Estimated loss impact: 26.32%  
Lender servicing fee: 1.00% Estimated return: -3.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1994 Debt/Income ratio: 63%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 8Length of status:1y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 35 Occupation: Other
Now delinquent: 0 Revolving credit balance: $20,729Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: punctual-dinero Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating High % Credit Cards
Purpose of loan:
This loan will be used to refinance some unnecessary high-interest accounts, and to send some of the interest I pay to more deserving investors, instead of the giant Banking Industry, that consistently overcharges me, despite an excellent payment history and credit record of always paying on time.
My financial situation:
I am a good candidate for this loan because I have a long credit history of never missing a payment over the past 20 years. I also have a steady employment history in my field for the past 20 years, as well. My situation has just recently changed, where my credit card companies have raised my interest rates for no reason, which has increased my monthly payments. I am a single parent with a daughter who has recently graduated college. I have supported her throughout her college education for 4 years and have used some of my credit cards to help her through. She now has full time employment in her field as a Merchandising Analyst with a New York Corporation. Now that she is all situated, I am trying to get back on track. I will appreciate any time taken in considering me for this loan in order to payoff my credit cards and make monthly expenses manageable again.

Monthly net income: $ 2200.00

Monthly expenses: $ 1,840.95
??Housing: $ 826.00 ???
??Insurance: $ 60.00
??Car expenses: $ Own
??Utilities: $100.00
??Phone, cable, internet: $ 69.95
??Food, entertainment: $ 0
??Clothing, household expenses $0
??Credit cards and other loans: $ 735.00
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.04% Starting borrower rate/APR: 12.04% / 14.17% Starting monthly payment: $232.63
 
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: Feb-2002 Debt/Income ratio: 11%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:4y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 25 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $19,156Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: peso-appraiser 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
YRW
Purpose of loan: Wine Business Use
This loan will be used to?buy operations equipment and dry goods (oak barrels, glass bottles, corks, labels)

My financial situation:
I am a good candidate for this loan because?I have a well-paid full time job and I'm committed to make a monthly payment on time without damaging my financial situation.

Monthly net income: $ $5400

Monthly expenses: $
??Housing: $900
??Insurance: $60
??Car expenses: $20
??Utilities: $150
??Phone, cable, internet: $60
??Food, entertainment: $250
??Clothing, household expenses $50
??Credit cards and other loans: $950
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 15.03% Starting borrower rate/APR: 16.03% / 18.21% Starting monthly payment: $527.58
 
Auction yield range: 6.04% - 15.03% Estimated loss impact: 5.26%  
Lender servicing fee: 1.00% Estimated return: 9.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2001 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:0y 2m
Credit score: 740-759 (Apr-2010) Total credit lines: 11 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $13,369Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jterk 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
Help me eliminate my CC debt.
I have a single credit card that I have used to consolidate my debt with a 19% interest rate. I easily pay more than the minimum due on the balance every month. I would like to get a Prosper loan so that I can pay off the debt faster and save money on interest so that I can better support my growing family.

Thanks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2000 Debt/Income ratio: 16%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:10y 3m
Credit score: 700-719 (Apr-2010) Total credit lines: 13 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $1,642Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 24%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: whistledicksmith Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My niche in Alaska
Purpose of loan:
? I have been working in the Prudhoe Bay oil field for the better part of ten years.? As such, I am more than 400 miles from home for more than 2/3 of the year.? It is a catch 22, as it has allowed me to buy most of the larger equipment I'll need for my endeavor, but I have also grown weary of all the time away from friends and family. I've purchased a computer controlled milling machine, enabling me to produce custom parts for a variety of automotive applications.? The loan will partially fund the purchase of a trailer mounted chassis dynamometer.? If you have been to a large classic car or diesel truck event you may have seen one.? The dyno will accommodate motorcycles, large diesel pickups, and most anything in between, allowing me to test any vehicles' power output, tune for maximum performance, and test the products that I will be manufacturing.? There may be other dynos in Alaska, but I am fairly sure that it will be the only portable chassis dyno.? This will allow me to showcase the dyno services I offer by bringing it out to car shows and other events throughout Alaska.? There are other performance shops in town, but no one can quantify their work with horsepower and torque numbers like I will be able to.? Any other questions as to the purpose of this loan are welcome.? Thank you for your consideration.

My financial situation:
? I have been working for the same company for better than ten years, and am now making in excess of 100,000 dollars a year.? My work schedule is flexible, allowing me to work less in the summertime, giving me more opportunity in the summer months to get the word out about the dyno, and provide some exposure to potential clients.? I own my home and vehicles outright so have no monthly bills where those are concerned.? The Prosper loan calculator puts my payment at less than 1200 dollars a month, which I can cover easily with one weeks pay.?

Monthly net income: $
??? My net income ranges from $4,800 to $6,000 as I work anywhere from three to six weeks at a time, and generally take two weeks off at the end of that time.
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 125
??Car expenses: $ 100 (fuel)
??Utilities: $ 45
??Phone, cable, internet: $ 50
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455800
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1986 Debt/Income ratio: 10%
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:20y 5m
Credit score: 700-719 (Apr-2010) Total credit lines: 15 Occupation: Police Officer/Corr...
Now delinquent: 1 Revolving credit balance: $513Stated income:$50,000-$74,999
Amount delinquent: $17,522 Bankcard utilization: 102%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: just-gettin-by Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
760-779 (Mar-2010)
660-679 (Oct-2009)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 3  
Description
Deck In Backyard, Home Equity
This loan will be used to construct a deck in my backyard.? This will add equity to my home due to the location and house condition (backyard connects to woods).? I have the manpower lined up to save on labor, however, I due have to purchase the materials.

I am a good prospect for this loan due to always being faithful to my creditors, friends, and colleagues.? I have one bad mark on my credit due to a divorce after 15 years, however I am slowly coming back from the damage this has caused (I was co-signer on a house out of state). My credit rating has went up 20 points from my last Prosper Loan to 700, due to paying off bills and re-establishing my credit.? I earn a good income as a Police Officer of 23 years, and I am well established in the community.? I am engaged to a wonderful woman who has been helping me with the troubled times in life, and I will be soon getting (upon marriage), many grandchildren, which I am looking forward to.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $94.26
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1999 Debt/Income ratio: 28%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 8 / 8Length of status:3y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 17Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $10,154 
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: contract-embrace Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 29763.00

Monthly expenses: $?1217.00
??Housing: $ none live with inlaws
??Insurance: $ 63.00
??Car expenses: $ 263.00
??Utilities: $ 57.00
??Phone, cable, internet: $ 132.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?302.00
??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455804
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $214.86
 
Auction yield range: 8.04% - 22.68% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.14%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1996 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):3 Current / open credit lines: 9 / 9Length of status:3y 3m
Credit score: 700-719 (Apr-2010) Total credit lines: 11Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $44,066 
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: statuesque-finance126 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Trying to lower my monthly payment
Purpose of loan:
This loan will be used to pay down some of my [higher interest rate] credit cards before applying to dental school.

My financial situation:
I am a good candidate for this loan because ever since my first credit card, I have NEVER skipped a payment, I have NEVER been delinquent, or even late...no matter what. I am adamant about paying off some of my credit cards before applying to dental school. I have a steady income from private tutoring and a generous stipend from my parents. The only reason I'm in debt is because I've been in school for so long [from 2000-2005 and then again from 2007-2010...and haven't been able to work full time as I have been a full time student with heavy class work/courses].

Monthly net income: $2100.00

Monthly expenses: $
Rent: $700
??Car expenses: $50-70 per month for gas
??Phone, cable, internet: $ 60 for cell phone, $40 for cable/internet
??Food, entertainment: $100 for groceries/food
??Clothing, household expenses $100 for school expenses, coin laundry, pet supplies


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455810
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,175.00 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: $165.48
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2000 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:0y 5m
Credit score: 780-799 (Apr-2010) Total credit lines: 17 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $1,616Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: satisfying-penny3 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for Graduate School
Purpose of loan:
I want to go to graduate school for a Master of Computer Science.

My financial situation:
I just need a cushion to paid for graduate school so this won't be a financial burden on my budget. I have an emergency reserve of 6K but I don't want to use all of it and not have an emergency reserve. If I get this loan it will give me time to paid the loan off in 3 year and time to build my emergency reserve.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 20.06% Starting borrower rate/APR: 21.06% / 23.31% Starting monthly payment: $226.24
 
Auction yield range: 8.04% - 20.06% Estimated loss impact: 6.97%  
Lender servicing fee: 1.00% Estimated return: 13.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2002 Debt/Income ratio: 32%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 13Length of status:8y 4m
Credit score: 680-699 (Apr-2010) Total credit lines: 34 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $5,728Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ecmguy Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 24 ( 100% ) 680-699 (Latest)
Principal borrowed: $9,000.00< mo. late: 0 ( 0% )  
600-619 (Aug-2009)
620-639 (Jul-2009)
620-639 (Apr-2009)
540-559 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Medical Expense
Purpose of loan:
This loan will be used to pay down a medical bill.

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

Thanks in advance for your consideration.

Monthly net income: $ 4,150

Monthly expenses: $ 3,160
??Housing: $ 920
??Insurance: $ 90
??Car expenses: $ 75
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1,025
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455818
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
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: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2000 Debt/Income ratio: 18%
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 6Length of status:4y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 15 Occupation: Analyst
Now delinquent: 2 Revolving credit balance: $5,845Stated income:$50,000-$74,999
Amount delinquent: $26,732 Bankcard utilization: 102%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: unafraid-kindness Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my student loans
Purpose of loan:
This loan will be used to pay off student loan and provide additional breathing room to manage my finance.

My financial situation:
I am a good candidate for this loan because I am responsible and have a full-time job working for a major corporation. After graduation I am steady fighting to pay off all my student loans and also provide additional financial assistance to my mother. One issue that has caused me problem is co-signing on a house for my father two year ago. He is now in legation to refinance the loan but it is hitting my credit as a negative.? I just need a little assistance to get back on track. Thank you

Monthly net income: $ 4007

Monthly expenses: $
??Housing: $ 665
??Insurance: $ Provided by employer
??Car expenses: $ 55
??Utilities: $ 40
??Phone, cable, internet: $ 180
??Food, entertainment: $ 120
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1989 Debt/Income ratio: 72%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 23 / 19Length of status:10y 7m
Credit score: 640-659 (Apr-2010) Total credit lines: 61 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $24,397Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: tough-capital544 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.
Description
Need extra money for trip to Disney
Purpose of loan:
This loan will be used to?
Take my family to Disney in June 2010.
My financial situation:
I am a good candidate for this loan because?
I always pay? back my debts and I would not default on the loan.? We are just having problems borrowing due to banks not wanting to lend any longer.
Monthly net income: $
$5000
Monthly expenses: $
??Housing: $ 860
??Insurance: $ 160
??Car expenses: $ 570
??Utilities: $ 0
??Phone, cable, internet: $ 240
??Food, entertainment: $?changes
??Clothing, household expenses $?changes
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455824
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $1,093.31
 
Auction yield range: 11.04% - 31.32% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1991 Debt/Income ratio: 20%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:16y 11m
Credit score: 720-739 (Apr-2010) Total credit lines: 23 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $50,394Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: sophisticated-note5 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
Growth of business
Purpose of loan:
I am a Real Estate Appraiser and Real Estate Broker.? I am in the process of transitioning from the corporate sector and need investment capital for an office and equipment.?

My financial situation:
I am a good candidate for this loan because I have a solid plan.? The appraisal business has been cultivated over the past 5 years and is now stable.? The broker business is new however, I have a wide contact base from the appraisal work that should lead to clients.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 31.34% Starting monthly payment: $41.03
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1999 Debt/Income ratio: 11%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 1 / 1Length of status:4y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 10 Occupation: Food Service
Now delinquent: 1 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: fascinating-note1 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car repairs
Purpose of loan:
This loan will be used?for repairs to an existing automobile. There is no debt on the car?owned.?Repais will cost about 1,500 but my?daughter is?contribting $500 and the state she lives in prohibits bidding on loans through the site. I am currently driving one of her cars.
I am a good candidate for this loan because I have been steadily employed?with same company for more than 4 years?in?Myrtle Beach, SC. I work at a?busy and well established?business. I consistently pay my bills but apear to have a low rating here because I do not carry much debt? Have a low income??I have lived at the same address for more than 17 years.?I am??looking for a loan with low payments but anticipate paying it off within a year.

Monthly net income: $1800

Monthly expenses: $
??Housing: $ 200?lot rent, house paid for
??Insurance: $ 60
??Car expenses: $50
??Utilities: $ 120
??Phone, cable, internet: $60
??Food, entertainment: $ 200
??Clothing, household expenses $100?
??Credit cards and other loans: $ 0
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455836
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1993 Debt/Income ratio: 66%
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 7Length of status:0y 5m
Credit score: 680-699 (Apr-2010) Total credit lines: 34 Occupation: Administrative Assi...
Now delinquent: 3 Revolving credit balance: $4,717Stated income:$25,000-$49,999
Amount delinquent: $17,119 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: gram24 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off wedding loan
Purpose of loan:
This loan will be used to?
Payoff a wedding loan I borrowed from my previous employer.

My financial situation:
I am a good candidate for this loan because?
I always pay my bills regardless of my recent history. I was unemployed and fell behind but have gotten back on track and am working to bring my credit score back up again in the 700's. I always take financial responsibilty and pay my debts.

Monthly net income: $ 2,050

Monthly expenses: $
??Housing: $ 2,287
??Insurance: $ 128.00
??Car expenses: $ 125
??Utilities: $ 199.00
??Phone, cable, internet: $ 124
??Food, entertainment: $ 350
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 695
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $904.31
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 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: Jul-1996 Debt/Income ratio: 24%
Basic (1-10): 4 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 29 / 27Length of status:2y 4m
Credit score: 720-739 (Apr-2010) Total credit lines: 46 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $418,027Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bagochi Borrower's state: California Borrower's group: Christian Opportunities
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
bagochi
Want to expand my real estate devlopment business.
I import coffee from Kenya.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,531.00 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: $114.49
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2001 Debt/Income ratio: 78%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 6Length of status:1y 1m
Credit score: 660-679 (Apr-2010) Total credit lines: 23 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $1,552Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 225%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: Athomrcvry Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,100.00< mo. late: 0 ( 0% )  
660-679 (Oct-2008)
640-659 (Dec-2007)
 
Principal balance: $606.94 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
pay off my credit cards
Purpose of loan
Pay off two major credit cards, and help cover cost expenses for my up coming wedding, 08/29/2010?

My financial situation:
All household expens, housing, insurance, utilities, phone, cable, internet, condo fees and supplies are shared 50/50 with my signifcant other/fiance' and partner.?

Monthly net income: $2558

Monthly expenses:??
??Housing: $367 (Modification pending0?
??Insurance: $174?
??Car expenses $156
??Utilities: $86?
??Phone, cable, internet: $71?
??Food, entertainment: $62?
??Clothing, household expenses $100?
??Credit cards and other loans: $525?
??Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1980 Debt/Income ratio: 9%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 7Length of status:1y 2m
Credit score: 700-719 (Apr-2010) Total credit lines: 33 Occupation: Engineer - Mechanic...
Now delinquent: 3 Revolving credit balance: $415Stated income:$50,000-$74,999
Amount delinquent: $5,016 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 41    
Screen name: twinturbonotch Borrower's state: Georgia 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: 0 / 1 On-time: 21 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
620-639 (Jul-2009)
620-639 (Apr-2009)
640-659 (May-2008)
640-659 (Mar-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Going Back to School
Purpose of loan:

With the current state of the economy, I've decided to go back to school and finish my MBA.? The company I work for has offered to pay for my schooling, however, the catch is that I must pay for my books and tuition initially and they will reimburse my out of pocket expenses up to $5000.00 once the semester is completed.? My first semester tuition, books, and other fees are going to be around $3800.00, however, I have about $2000 I can put towards it.? That leaves me lacking approximately $2000, which is the purpose of this loan.? I would like to use this loan of $2000 to put with the money I have and pay for my tuition, books and other fees for the upcoming semester.

My financial situation:

I am a good candidate for this loan because my employer will be reimbursing me once the semester is complete.? Once I am reimbursed, I will use that money to pay back the loan.? Further, I've been with this company for over a year now, and have done quite well.? I expect to be with this company for many years to come.? Finally, I feel I am a good candidate for this loan because my previous Prosper loan speaks for itself; not once did I miss a payment, and I was never late.

Regarding the negative accounts on my credit report, I was the owner of a small business between 2001 and 2005.? Due to medical issues with my wife and our daughter, I was forced to close the business to be able to spend more time at home.? Because I was the owner of the business, I was responsible for all of its debt, and was forced to choose to provide food and a home for my wife and children, or pay the businesses debts.? I chose to take care of my family and many of the debts were charged off, including an F350 work truck which was repossessed in 2006.? At the time, the total outstanding debts totaled approximately $30,000.? Since that time, I have worked hard to pay off the debts and have finally payed the remaining off.? Unfortunately, it looks as though some of the collections agencies or other creditors aren't reporting the debts as paid, which is the reason for the $5,000+ shown.? This is incorrect and I have tried to resolve this, but have thus far been unsuccessful.? As you can see, my credit score is on the rise as we are now very stable financially.

Monthly net income: $5200.00

Monthly expenses: $3500

??Housing: $1800
??Insurance: $100 (car insurance)
??Car expenses: $500 (gas and car loan)
??Utilities: $200 (water, electricity)
??Phone, cable, internet: $100
??Food, entertainment: $500
??Clothing, household expenses $100
??Credit cards and other loans: $200 (student loan)

My family and I thank you for considering us for a loan. ??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455846
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-2007 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:2y 11m
Credit score: 660-679 (Apr-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,322Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: receptive-bid2 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for college expenses
Purpose of loan:
This loan will be used to finish the year and to help out my sister with some of her college expenses as well

My financial situation:
I am a good candidate for this loan because I am graduating as an RN and will attain a job quickly...I dont have a husband or husband to be and I have no children...just me and my loans I guess....I am responsible and I am in good standing with my debtors...I know I do not look good right now but I will be in a few months when I get a job with my degree

Monthly net income: $
It really depends on how much hours I put in.....I work at a slaugherhouse and my full time?yearly income comes around 25,000...during the school year I work part time and now that I will graduate this May I am working full time now.....
Monthly expenses: $
??Housing: $ 237
??Insurance: $ 60
??Car expenses: $ 0
??Utilities: $?10
??Phone, cable, internet: $ 26
??Food, entertainment: $?30
??Clothing, household expenses $ 20
??Credit cards and other loans: $?57
??Other expenses: $ 20
I live with a roommate so my expenses may be less or a bit more....have parents close by that help out with living expenses
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 26.29% Starting monthly payment: $243.24
 
Auction yield range: 17.04% - 23.00% Estimated loss impact: 19.32%  
Lender servicing fee: 1.00% Estimated return: 3.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 7 / 4Length of status:5y 3m
Credit score: 720-739 (Mar-2010) Total credit lines: 11 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $396Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: usergd182 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 96% ) 720-739 (Latest)
Principal borrowed: $6,000.00< mo. late: 1 ( 4% )  
720-739 (Feb-2010)
700-719 (Feb-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Mainly improve credit score
To whom it may concern,

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

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

Thank you for your time and help.

Sincerely
JMG

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $588.07
 
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-1993 Debt/Income ratio: 35%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 8Length of status:2y 3m
Credit score: 680-699 (Apr-2010) Total credit lines: 16 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $20,767Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wise-proper-fund 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
Saying No To Debt
Purpose of loan:
This loan will be used to pay down honestly earned credit card debt.? I would like to void myself of the financial strains of credit card debt and use only cash on hand.? I have a long and for the most part good credit history, which in the past has awarded me with a 7,000 personal loan while in college.? As a 25 year old teacher, one thing I have been well versed with is that, "One never stops learning".? If provided with this loan, I will do my up most to continue to learn how I can pave the road to financial security without the wear-and-tear of monthly credit card payments.

My financial situation:
I am a good candidate for this loan because I have since the age of 14 been employed, sometimes holding two jobs at once.? I have always been a dedicated worker and fortunately now as a teacher, the summer time allows me to continue such. I have been diligent with my current payments as my credit history can show, however just making the minimum payments obviously was not beneficial.? By consolidating such, I will be able to ceaselessly pay my loan each month, while also being able to save nearly $300 each month.?

Monthly net income: $ 2,200

Monthly expenses: $
??Housing: $ 695.00
??Insurance: $ 40.00
??Car expenses: $ 80.00
??Utilities: $ 70.00
??Phone, cable, internet: $ 220.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455858
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,400.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 30.00% Starting borrower rate/APR: 31.00% / 33.39% Starting monthly payment: $275.21
 
Auction yield range: 17.04% - 30.00% Estimated loss impact: 19.76%  
Lender servicing fee: 1.00% Estimated return: 10.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1986 Debt/Income ratio: 11%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:1y 2m
Credit score: 700-719 (Apr-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 4 Revolving credit balance: $5,455Stated income:$50,000-$74,999
Amount delinquent: $75 Bankcard utilization: 27%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: pal2 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
We need a new roof!
Purpose of loan:
This loan will be used to re-roof our house - it has begun leaking due to high winds in the area.?

My financial situation:
I am a good candidate for this loan because I am a stable family man who now works for a very stable company.? We bought our house through owner financing (a former rental)?as a fixer upper in 2007.? We?invested most of our savings into the house as a downpayment and into the interior remodel,? Shortly after, my company was sold to a larger firm and closed, which resulted in a lengthy period of unemployment.??Naturally this used up the remainder of our savings.? Luckily I was able to land a better position with a market leading franchise company?in my field and?our positioning has allowed us to gain share even in this economic downturn.??My wife and I?have saved a little over $2000 towards the cost of the roof but need more to complete the job? Our plan was to replace it in 2011 but a recent high wind event in our area resulted in a number of leaks.? Our best guess is that the roof is about?30 years old.? If we can't get a loan we will eventually have the money saved by next summer, but ideally the roof should be replaced as soon as possible.

We have some bruises to our credit and are paying off our credit cards via a counselor. We?have never missed or been late with?a payment since we started the program almost two years ago.? We also have never been late with our car payments or mortgage (and prior to that our rent) going back many years.? We take our debt seriously!? The main reason our credit score is around?700 is the appearance of excess credit usage versus overal credit lines.? But, our credit lines were frozen when we entered the credit counseling plan.? Note that we entered this plan to keep from defaulting on our debt and are still paying about 10% interest (rough estimate - some are higher some are lower) on those accounts.? Also, during the start-up of the program some payments were delayed so we have a couple late payments showing which really weren't.? It wouldn't have been an issue since our plan was (and is) to not accumulate more debt and eventually be debt-free.? However, Mother Nature intervened and now the new insulation I added last year in the attic is getting wet!?

Monthly net income: $ 4045 + mileage (+/- $800 per month)

Monthly expenses: $
??Housing: $ 485 + $120 taxes
??Insurance: $ 162 including vehicles
??Car expenses: $ 467
??Utilities: $ 360
??Phone, cable, internet: $ 33 cable, phone and internet paid by employer
??Food, entertainment: $ 400
??Clothing, household expenses $?300
??Credit cards and other loans: $ 865
??Other expenses: $ 155 cell phones for kids

The three people in the picture that is included in this listing are my kids...

Thank you, I look forward to a profitable (for you) and timely (for me) relationship.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455870
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,775.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 30.35% Starting monthly payment: $73.42
 
Auction yield range: 8.04% - 27.00% Estimated loss impact: 7.15%  
Lender servicing fee: 1.00% Estimated return: 19.85%  
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: Nov-2000 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 17Length of status:7y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 31 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $15,168Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: awe-inspiring-loyalty0 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
To get married
Purpose of loan:
This loan will be used to? get married to my Fiance.

My financial situation:
I am a good candidate for this loan because?I have never filed for a Bankruptcy or neglected to meet my obligations.?

Monthly net income: $ 2,800.00

Monthly expenses: $ 2,219.00
??Housing: $ 825.00
??Insurance: $?440.00?-6 months

??Car expenses: $ 125.00
??Utilities: $ 50.00
??Phone, cable, internet: $235.00
??Food, entertainment: $ 225.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 864.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1995 Debt/Income ratio: 55%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 9Length of status:2y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 1 Revolving credit balance: $9,766Stated income:$1-$24,999
Amount delinquent: $168 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jamenjaw Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my cc's
Purpose of loan:
this money will be used to help me pay off 3 of my credit cards. making it easer for me to live and get out of dept faster.

My financial situation:
I have never missed a payment in a long time expt for one card that i forgot about one month back in jan 10.

Monthly net income:?2,400

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 75
??Car expenses: $100
??Utilities: $ 107
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455900
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 18 / 18Length of status:3y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 2 Revolving credit balance: $11,773Stated income:$75,000-$99,999
Amount delinquent: $83 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: transparency-high-five 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
Marketing And Developement
Purpose of loan:
This loan will be used to do a new marketing promotion in the Los Angeles area. I'm a new father(5 month old daughter),
so I wanted to make sure that my wife and daughter are taken care of. As an internet marketer, 5k to 10k in advertising
can go a long way.

I have spent over $113,893 on internet advertising and I've paid back every penny. I'm ready to take my business to the next
level so this will be a great investment for the right investor.

Our advertising is diversified to make sure that we take full advantage of all the opportunities out there. I have almost
six years of experience in online marketing so your investment in our company will go a long way.

The reason why our advertising effort will be so successful is because we don't try to make sales right away, we focus
on building a relationships by generating leads first.


My financial situation:
For 5k to 7k, we can generate over 5,000 leads. Each lead over a period of 6 months is worth $3 per lead. After 6 months,
those same leads are worth about $1 per lead.

What this means is that we usually triple our investment in advertising over 6 months. One of the reasons that I'm even in
need of a loan at this point is because we( myself and my wife) invested in real estate after the market when down, so we
have gotten a few good deals.

Now I'm ready, with your help, to take my business to the next level.

Thank you for reading.



Monthly net income: $ 7k

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 200
??Car expenses: $ 700/month
??Utilities: $ 400
??Phone, cable, internet: $ 250
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 500
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,900.00 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: $221.66
 
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-1979 Debt/Income ratio: 31%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 6Length of status:3y 6m
Credit score: 660-679 (Mar-2010) Total credit lines: 31 Occupation: Teacher
Now delinquent: 4 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $1,234 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 33    
Screen name: babygrads Borrower's state: Minnesota Borrower's group: UtopiaLoans.com - Now Over $1 Million in Closed Loans!!
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 93% ) 660-679 (Latest)
Principal borrowed: $3,500.00< mo. late: 2 ( 7% )  
680-699 (Nov-2009)
680-699 (Aug-2009)
620-639 (Oct-2007)
540-559 (May-2007)
 
Principal balance: $919.41 1+ mo. late: 0 ( 0% )
Total payments billed: 29  
Description
girls gradution
Hello I will be using this loan to paint the inside of the house and resodding the yard also need a couple of new storm doors. my daughter and niece Ar. graduating from high school in June and? i need to have a open house for them. I currently have a prosper loan that will be paid off in 11-10. thanks for looking... present? income =? $ 4200? expenses? phone? = $200? utilitys =300 car =100? prosper =150 mortgage =1380? food 200 misc. 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1998 Debt/Income ratio: 70%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 15Length of status:14y 0m
Credit score: 680-699 (Apr-2010) Total credit lines: 43 Occupation: Other
Now delinquent: 0 Revolving credit balance: $79,746Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: wise-trade-instrument Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to Pay off two credit Cards and set the debt to a three year term, the credit cards are getting cancelled with the payoff from this loan so the debt will not reoccur.
Card 1 has a balance of $3800 with a interest rate of 29.99 percent payment of $117.00
Card 2 has a balance of $3900 with a interest rate of 27.24 percent $115.00

My financial situation:
I am a good candidate for this loan because?I have never miss a payment on these cards now and with this loan my monthly expenses only go up about $80 but I am in a three year term.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1995 Debt/Income ratio: 32%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 5Length of status:6y 0m
Credit score: 660-679 (Apr-2010) Total credit lines: 24 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $2,013Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: delicious-truth029 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
payoff credit cards
Purpose of loan:
This loan will be used to?
payoff credit cards and leased vehicle costs
My financial situation:
I am a good candidate for this loan because?
i have been making credit card payments and car payments?faithfully for 6 yrs????
Monthly net income: $
2250.00
Monthly expenses: $
??Housing: $?200.00
??Insurance: $ 70.00
??Car expenses: $?300.00
??Utilities: $
??Phone, cable, internet: $80.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 11.60% Starting monthly payment: $320.33
 
Auction yield range: 4.04% - 8.50% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2003 Debt/Income ratio: 9%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:1y 11m
Credit score: 760-779 (Apr-2010) Total credit lines: 8 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $307Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 2%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: hope-molecule0 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
Social Venture Inventory Expansion
Purpose of loan:
This loan will be used to fund an inventory expansion for ChakaMarketBridge. Chaka exists to bridge supply and demand for artisans in developing countries. This loan will be used specifically to purchase goods from Artisans in Nicaragua. Please visit our website at www.ChakaMarketBridge.com

My financial situation:
This business is something that my colleagues and I do on the side, and it has already generated positive cash flow. Due to heavier than expected demand for our products, we are seeking this loan to aggressively expand our inventory. In addition to the ability of the business to make monthly payments from income generated, I have a substantial monthly income from my day job, as well as a great credit score. Thanks for supporting ChakaMarketBridge, and, more importantly, our artisans in Nicaragua!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1995 Debt/Income ratio: 22%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 4Length of status:18y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 31 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $7,072Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 20    
Screen name: compatible-coin6 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New Sod
Purpose of loan:
This loan will be used to?
To resod my yard due to harsh winter in FL, HMO has sent letter that I need to fix to meet there guidelines
My financial situation:
I am a good candidate for this loan because?
I am a hard working American soldier and I am 100% trust worthy to repay what I borrow.
Monthly net income: $
4700.00
Monthly expenses: $
??Housing: $?2000
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $?150
??Phone, cable, internet: $ 75
??Food, entertainment: $?300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2000 Debt/Income ratio: 17%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 4Length of status:4y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 22 Occupation: Food Service Manage...
Now delinquent: 1 Revolving credit balance: $973Stated income:$50,000-$74,999
Amount delinquent: $542 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 23    
Screen name: optimizer541 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
other use
Purpose of loan:
This loan will be for home improvement.

My financial situation:
I am a good candidate for this loan because I have been currently working at Nestle Waters North America since 2005.

Monthly net income: $ 4317.00

Monthly expenses: $1100
??Housing: $725
??Insurance: $125
??Car expenses: $170
??Utilities: $
??Phone, cable, internet: $80
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455972
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $483.13
 
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: May-1991 Debt/Income ratio: 34%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:17y 4m
Credit score: 680-699 (Apr-2010) Total credit lines: 29 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $8,516Stated 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: spirited-power2 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Get out of debt
Purpose of loan:
This loan will be used to? consolidate all my bills into one payment so I can manage my finance better.? I am trying to get myself a clean slate.

My financial situation:
I am a good candidate for this loan because? I have 2 children and work full time.? I will make sure all my payments are on time.?

Monthly net income: $ 2200.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 405
??Utilities: $?150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 30
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 600
??Other expenses: $

My husband pays the mortgage and the insurance from his employment.? These are my expenses and I want to resolve them on my own.? My ratio looks high because my mortgage company sold my loan but has not been removed from my credit report yet.? I only have one mortgage.? Thank for any help you can give me.? It will be greatly appreciated.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455978
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $215.61
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1990 Debt/Income ratio: 38%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:2y 11m
Credit score: 660-679 (Apr-2010) Total credit lines: 44 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $9,712Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: diversification-bumblebee6 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
Pay off & close credit cards!
Purpose of loan:
This loan will be used to payoff and close my high interest credit cards.

My financial situation:
I am a good candidate for this loan because I always make my payments even during lean times.?I was in the mortgage industry for 13 years and I do understand the importance of making payments on time.?I recently fixed and lowered the interest rate on my home mortgage and?my husband secured a better paying job after a few months of unemployment. During the time that he did not work?I relied on credit cards too much and now?I need to escape that never ending cycle of credit card debt.

Monthly net income: $ 2050

Monthly expenses: $
??Housing: $ 1038.87 (1st & 2nd mtgs includes escrow for tax & ins.)
??Insurance: $ 52 (auto)
??Car expenses: $ 110
??Utilities: $ 220
??Phone, cable, internet: $ 200
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $?400
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1992 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 13 / 11Length of status:2y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 22 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $49,806Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wealth-canary3 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
Marketing and Overhead budget
Purpose of loan:
This loan will be used to? market and cover overhead expenses

My financial situation:
I am a good candidate for this loan because? our business makes excellent commissions however this type of business has more overhead expense initially than revenue. We are in month two and initial time period is 6 months before the business self maintain costs. We need a capital injection to cover marketing expenses which is by far our biggest expense so the revenue that comes in long term can catch up. At our current pace we will generate an average of $9500 a month by the end of the year. If we were to stop doing business that money will still be a residual income for the next 2 years on average. For example. A marketing campaign may cost $3500 a month. From that campaign we make commissions of $30,000. That $30,000 will be paid over a 24 month period making the residual payment $1250. As you can see we do well per month however the marketing costs are much more than the residual for the first 6 months. So far our commissions for the last two months are $42,000. It cost us $7,000 to market. I've been using personal savings and credit so far to fund.

Monthly net income: $1500

Monthly expenses: $ 6500 (personal expenses will not be covered by this business loan)
??Housing: $ 1000
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 500
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $1200
??Other expenses: $4000 (marketing)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455996
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.74% Starting monthly payment: $36.15
 
Auction yield range: 14.04% - 17.00% Estimated loss impact: 15.45%  
Lender servicing fee: 1.00% Estimated return: 1.55%  
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: Dec-2005 Debt/Income ratio: 37%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:4y 8m
Credit score: 620-639 (Apr-2010) Total credit lines: 8 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $6,644Stated 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: BigPic87 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 33 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,600.00< mo. late: 0 ( 0% )  
640-659 (Jul-2007)
 
Principal balance: $162.85 1+ mo. late: 0 ( 0% )
Total payments billed: 33  
Description
Getting Rid of Credit Cards
Purpose of loan:
First of all I want to say thank you for taking time out of your schedule to take a look at my listing. I recently returned to school but ended up with debt after charging EMT classes,?CPR classes, EMT supplies,?practice tests?and?EMT test. I want to get rid of my credit card debt so i can?master my EMT skills and stop working so much overtime.

My financial situation:
I currently?work 40 hours a week and rarely?take a sick day. I am a very responsible person but with my grandma getting breast cancer has gotten the best of me. I have used my credit cards to get her whatever she needs since she has not been able to work. As of today, she has beaten cancer and I am on my way to getting out of debt.?I?have cut my?credit cards in half?so?I don't have the opportunity to rack on more debt.?I also want to keep my credit score from dropping any more. Thanks to everybody for considering my loan request.

Monthly net income: $ 1540

Monthly expenses: $
??Housing: $ 200
??Insurance: $ 283
??Car expenses + gas: $ 390
??Utilities: $?50
??Phone, cable, internet: $ 110
??Food, entertainment: $ 125?
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 Prosper Rating: 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: $80.44
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1992 Debt/Income ratio: 1%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:3y 4m
Credit score: 780-799 (Apr-2010) Total credit lines: 11 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $105,060Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: thankful-economy0 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
Investor Seeking Funds
Purpose of loan:
This loan will be used to acquire a rental property (duplex) for all cash in Ohio. My own personal funds and hard money (if needed) will be required?for the?renovation/rehab of the property in order to rent out to prospective tenants. I currently have an agreement with?an asset management company, who is selling this REO property, to purchase for $5,000 pending the outcome of a property inspection being done this week. I anticipate the property to be rented out by June or July of this year.

My financial situation:
I am a good candidate for this loan because of my current credit history, my stable income as a civil engineer which is sufficient to cover any loan payments, and the fact that this current project will produce positive cash flow.?In addition,?I have experience with a rental property in California which I have successfully managed since 2006. My goal with Prosper is to build a strong relationship with the team of investors and in turn acquire more funding for other future projects. I currently have an LLC in California and plan to deed the property under an LLC name.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1988 Debt/Income ratio: 12%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 9 / 6Length of status:8y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 32Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $3,531 
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: focused-openness1 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to? pay off a high interest (96%)?signature?loan of 2500. My source of monthly income is: civil service Pension 683.00; social security 1394.00; @ veterans administration permanent disability 2673.00.? I also have a public record which was a bankruptcy discharged in Dec 27, 2005.? My bankruptcy was the result of being injuried on the job?and put on leave without pay?on Jun 27, 2001.? For the next four years I was in rehab? and on state disability and I received no compensation for serveral months.? I used credit to supplement my income but finally I was in over my head and had to declare bankruptcy in 2005.? After my bankruptcy I finally received my social security disability and Permanent Veterans disability. I'm not proud of having a bankruptcy and I have worked hard to bring my credit score up.? It was 430 after bankruptcy and is now up in the 600's.? I have no intention of not paying my debts since I have a steady income. Thank you.? I will be happy to answer any questions you may have.

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

Monthly net income: $ 4750

Monthly expenses: $
??Housing: $ 0
??Insurance: $ o
??Car expenses: $ 125
??Utilities: $ 60
??Phone, cable, internet: $ 125
??Food, entertainment: $ 250
??Clothing, household expenses $?200
??Credit cards and other loans: $?900
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 11.04% - 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: May-1998 Debt/Income ratio: 16%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 8Length of status:2y 11m
Credit score: 680-699 (Apr-2010) Total credit lines: 36 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $3,530Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: exponential-loan2 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt and relocation
Purpose of loan:
This loan will be used to pay off the remaining balance of my auto loan after selling my car.? It will assist in relocation expenses not included in my relocation package for my promotion/transfer to another campus outside the US for a period of time.? The remaining funds will be used to consolidate my debt.

My financial situation:
I am a good candidate for this loan because of my promotion and relocation to another country that will allow me to focus my earnings on saving and paying off debt.

Monthly net income: $ 4855 (approximate new income - current is $3958)

Monthly expenses: $ 2500 (approximate)
??Housing: $ 1200 (approximate new location)
??Insurance: $ 0 (no auto needed in new? location)
??Car expenses: $ 0 (no auto needed in new location)
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456020
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 33.00% Starting borrower rate/APR: 34.00% / 36.44% Starting monthly payment: $111.68
 
Auction yield range: 11.04% - 33.00% Estimated loss impact: 10.84%  
Lender servicing fee: 1.00% Estimated return: 22.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1999 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 3Length of status:1y 1m
Credit score: 680-699 (Apr-2010) Total credit lines: 22 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $49,177Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wampum-tranquility Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Re-List Auto Repair
Purpose of loan:
This loan will help me do repairs to my 2004 Ford F-150. I would like to develop a pay history with Prosper, to show the investors my on time payments.

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

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

Monthly expenses: $ 2,520
Housing: $ 520
Insurance: $ 65
Car expenses: $ 0 Balance. I made my last payment of $375 on April 1st 2010. Term was 66 months never been late.
Utilities: $ I live with my girlfriend she pays this
Phone, cable, internet: $ 200
Food, entertainment: $ I live with my girlfriend she pays this
Clothing, household expenses $ 0
Credit cards and other loans: $ 1,735 (Includes Bank of America loan of $855 per month.)
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456038
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $79.94
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2000 Debt/Income ratio: 17%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:2y 8m
Credit score: 760-779 (Apr-2010) Total credit lines: 12 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $3,860Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: just-repayment9 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off?my credit cards.? I recently had to?have my transmission repaired on my car, and the cost of getting it done has placed a strain on my dinances.? I am also in the middle of?planning for my wedding in December, and I just want to get back on track.? ?

My financial situation:
I am a good candidate for this loan because I am very good with my finances.? With my upcoming wedding, and the car repair bill I wasn't planning on, I have ended up in need of paying down all my bills so that I can get back where I am used to being.? I am looking to pay back my loan at about $350-400 a month.? I do not want to take out a loan for longer than 12 months.? I just need the help in one big shot now.? Thanks for your interest.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1982 Debt/Income ratio: Not calculated
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:2y 6m
Credit score: 760-779 (Apr-2010) Total credit lines: 23 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $41,593Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fuel-king Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
LAST SEMESTER OF MASTER'S PROGRAM
Purpose of loan:
Please help my wife fulfill her life long dream!! We need this loan so she can finish her LAST semester of her program. She has just been notified that she secured a job after graduation at a local clinic. Her starting salary will be starting at $90,000. She will begin work in January.
This loan will be used to help my wife finish her last semester of the Family Nurse Practitioner Program at Washington State University. My wife is an honor student and graduate summa cum laude from the Bachelors of Nursing program. She will graduate with honors from the FNP program as well in the fall.
Due to the number of clinical hours she must complete, she cannot work much outside of school. My income is more than capable of paying our monthly expenses. I have worked in the same industry for 28 years and my position with the company that I work for is very secure. If you have any questions about our income or finances, please don't hesitate to ask.
We would certainly appreciate your help!! We are the parents of 4 children, 2 college age boys, a daughter in junior high, and a daughter in kindergarten.


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

GROSS MONTHLY INCOME: $5000

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

Possible Prosper Payment: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456050
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 31.34% Starting monthly payment: $41.03
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1977 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:0y 1m
Credit score: 640-659 (Apr-2010) Total credit lines: 42Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $1,708 
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: marble3 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.
Description
Going to truck driving school
Purpose of loan:
This loan will be used?to get me to the school and back. Also it will help me with meals while I am there.?

My financial situation:
I am a good candidate for this loan because I am a hard worker that had some bad luck, I lost my job in March. With the school I plan on going to, I will be able to repay this loan back with no problems. I do collect unemployment that covers all the bills I have pluse if I get?this one with no problems?
Monthly net income: $2544
Monthly expenses: $
??Housing: $ 645
??Insurance: $ 75
??Car expenses: $ 411
??Utilities: $ 95
??Phone, cable, internet: $ 75
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 55
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $123.09
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 3 / 3Length of status:0y 5m
Credit score: 700-719 (Apr-2010) Total credit lines: 4 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $167Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: cannon1 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 for real estate training
Purpose of loan:
This loan will be used to receive the training I need to begin making real estate investments.

My financial situation:
I am a good candidate for this loan because I am an attorney with an increasing amount of income and multiple loan options.

Monthly net income: $ 2000-3000

Monthly expenses: $
??Housing: $ 250.00
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456068
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 12.93% Starting monthly payment: $31.98
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1992 Debt/Income ratio: 2%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:5y 2m
Credit score: 740-759 (Apr-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 2 Revolving credit balance: $489Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: RobbieB73 Borrower's state: Virginia Borrower's group: Christian Opportunities
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Video, Film, Photo & Slide Transfer
Purpose of loan:
This loan will be used to finance the expansion of my current business, 73CM.? My website, www.73cm.com will explain all the details but the business focuses on 3 main objectives.
Transferring of video tapes and films to DVD, computer file, or online mediaScanning of film strips, photographs, and 35mm slides to DVD, computer files, online media, and custom photo presentationsAll aspects of custom printing and product design (e.g. Business cards, newsletters, powerpoint presentations, etc.)
My financial situation:
I am a good candidate for this loan because I am finishing up a multi-year process in paying off all secured and unsecured debts and am looking for a fresh start to expand my current business.
Information in the Description is not verified.