Listing Report:Supplement No. 230 dated Apr 30, 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 362559
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2005 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:5y 1m
Credit score: 720-739 (Apr-2010) Total credit lines: 19 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $1,536Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: nykbbal 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
Buying Inventory for Small Business
Purpose of loan:
This loan will be used to finance purchase of inventory for a small college bookstore.

My financial situation:
I am a good candidate for this loan because the business has shown success, I have good credit myself, never late for a payment, and have few debt obligations.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 45
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453271
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,298.00 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: $169.41
 
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-1990 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 13Length of status:3y 1m
Credit score: 760-779 (Apr-2010) Total credit lines: 30 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $41,827Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: transparent-truth5 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay down credit card
Purpose of loan:
This loan will be used to? Aggressively pay off a credit card using the debt reduction plan example of the ?snowball? effect

My financial situation:
I am a good candidate for this loan because?
I?ve been employed with a government sub-contractor for 3.5 years with a combination salary and bonus of 80k and working part-time for 2 years with an income of 10k. My bill payment history is very good, paying all bills as soon as they arrive.? I use one working credit card for purchases (for reward points) and pay the balance off each month.?

I follow and maintain a 13-year budget and expense tracking system to monitor my debt reduction progress as well as daily life budgeting and saving. I know what it?s like to debt-free, having been for almost 10 years, but life happens so now my primary goal is to pay everything (including mortgage eventually) to be debt-free again, one credit card at a time. Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $170.96
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1982 Debt/Income ratio: 35%
Basic (1-10): 8 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 23 / 20Length of status:31y 8m
Credit score: 740-759 (Apr-2010) Total credit lines: 57 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $70,849Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: deal-contributor4 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
One final tuition payment
Purpose of loan:
This loan will be used to?pay the final tuition payment for my daughter which caught me off guard and wasn't expected. She has to make up one 6 week rotation before beginning her residency.
My financial situation:
I am a good candidate for this loan because? I have a steady, reliable salary coming in, one child who as I said is graduating from Medical School, and just need to take care of some one-time only debt. I have never not paid back any loan and always pay on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456165
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 30.22% Starting borrower rate/APR: 31.22% / 33.62% Starting monthly payment: $215.61
 
Auction yield range: 11.04% - 30.22% Estimated loss impact: 10.76%  
Lender servicing fee: 1.00% Estimated return: 19.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1998 Debt/Income ratio: 14%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:10y 4m
Credit score: 660-679 (Apr-2010) Total credit lines: 21 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $6,754Stated income:$100,000+
Amount delinquent: $366 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 17    
Screen name: publisherptw Borrower's state: Florida Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
680-699 (Dec-2007)
 
Principal balance: $690.36 1+ mo. late: 0 ( 0% )
Total payments billed: 27  
Description
2nd Loan - 27 On Time Payments!
I own a 2002 Land Rover Discovery II SE7 - which I intend to sale for $6-7,000 on eBay or Craig?s List. I own the car outright. I want to purchase another Land Rover ... or maybe a Ford Explorer - 2006-2008 age range. The $5,000 I am requesting, added to $6-7,000 for the sale of my current car will give me cash buying power?of $11-12,000 to negotiate a cash purchase. This is my second attempt at this listing - I?was almost 50% funded last time - but the timing of the closing was off. This time I will start with a higher percentage return - hopefully this might attract some more bidders - and ultimately enough to bid down the loan to a reasonable rate.??

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

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

Monthly net income: $ 8,000

Monthly expenses: $ 7,253??
? Housing: $1,350??
? Insurance: $600 (Health, car, boat)??
? Car expenses: $200?(gas repairs on average)??
? Boat loan: $416 (four year perfect record of payments)?
? Daughters "Allowance" for college: $400?
? Utilities: $200??
? Phone, cable, internet: $500?(includes 3 cell phones, mine, mothers, my daughter)???
??Food, entertainment: $1,000??
? Clothing, household expenses $1,000??
??Prosper Loan: $86.66 (perfect 27 month history - 9 more months to pay off)?
? Credit cards: $1,000???
? Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456289
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1965 Debt/Income ratio: 9%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:7y 2m
Credit score: 740-759 (Apr-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 2 Revolving credit balance: $5,683Stated income:$50,000-$74,999
Amount delinquent: $6,407 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 10    
Screen name: bickellworks Borrower's state: Colorado Borrower's group: Geek Power!
Credit and homeownership information was obtained 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% ) 740-759 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
600-619 (Apr-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Loan to pay off credit cards
Purpose of loan:
Paying off two credit cards completely, with the remaining balance going to a third card.

Previous loan on Prosper:
I am a previous Prosper borrower (in 2007) and paid off that loan in full and never missed or late on a payment.

Current financial situation:
Since my last loan, I have gotten a raise, paid off debt, purchased my first home and managed to make it through this darn recession still employed.

I am currently employed as a web and multimedia developer for a company in Seattle. I've been with this company since 2002. I work from my home office and have been working remotely for the past three years. I also do freelance web development for a variety of clients.

These are the three credit cards that I'll be paying with the loan. As you can see, I typically pay $300 / month towards these cards. With this loan, the first two balances will be eliminated, and about half of the third card.


Card 1 (CareCredit for veterinarian use)
Interest rate: 27%
Credit limit: $4500
Balance: $1053
Typical monthly payment: $80

Card 2
Interest rate: 18%
Credit limit: $1250
Balance: $370
Typical monthly payment: $50

Card 3
Interest rate: 14%
Credit limit: $3500
Balance: $3000
Typical monthly payment: $150
TAKE HOME PAY
$2750

CURRENT EXPENSES

Housing: $ 1100
Insurance: $ 100
Car expenses: $ 250
Utilities: $ 80
Phone, cable, internet: $ 180
Food, entertainment: $ 200
Clothing, household expenses $ 50
Credit cards and other loans: $ 200
Other expenses: $ 100

If you have any questions, please ask. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456291
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1988 Debt/Income ratio: 27%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 6Length of status:9y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 24 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $5,173Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: majestic-one Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?consolidate some lingering debt I have and have only one payment?each month.

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

Monthly net income: $3,011.00

Monthly expenses: $2,399.00 (TOTAL)
??Housing: $850.00
??Insurance: $85.00
??Car expenses: $446.00 car pymt?+ $150.00 gas
??Utilities: $-0-
??Phone, cable, internet: $60.00
??Food, entertainment: $200.00?
??Clothing, household expenses $100.00
??Credit cards and other loans: $160.00 credit cards and $298.00 loan (these are what I want to consolidate)
??Other expenses: $50.00 (Christian Ministry donation monthly)?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456297
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.35% Starting borrower rate/APR: 9.35% / 9.69% Starting monthly payment: $799.07
 
Auction yield range: 3.04% - 8.35% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: 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 remodel my kitchen and bath

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 456303
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1990 Debt/Income ratio: 25%
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 12Length of status:4y 4m
Credit score: 600-619 (Apr-2010) Total credit lines: 68 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $16,658Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ajncj 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: 20 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
560-579 (Jul-2008)
 
Principal balance: $571.70 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Graduation Expenses
Purpose of loan:
This loan will be used to?
Fund graduation expenses for my son.
My financial situation:
I am a good candidate for this loan because I pay my current loan on time and I have been working hard to keep my current bills up to date.

Monthly net income: $ 4800

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 456313
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $464.54
 
Auction yield range: 17.04% - 19.00% Estimated loss impact: 26.06%  
Lender servicing fee: 1.00% Estimated return: -7.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:0y 11m
Credit score: 680-699 (Apr-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 0 Revolving credit balance: $266Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 25%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 38    
Screen name: moola-harmony Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Working Capital
Purpose of loan:
This loan will be used to improve advertising, purchase equipment and provide working capital.

My financial situation:
I am a good candidate for this loan because I am a hard-working business owner with a growing list of clients and the creativity and drive to continue to grow.

Monthly net income: $ 3600

Monthly expenses: $ 2865
??Housing: $ 1500
??Insurance: $ 15
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1998 Debt/Income ratio: 33%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:5y 2m
Credit score: 700-719 (Apr-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,894Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 18    
Screen name: unafraid-moola8 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate my montly bills in respect to credit cards.

My financial situation:
I am a good candidate for this loan because I will pay my loan on time. I am currently going through a divorce and?would just like to consolidate all my bills into one payment. I found out my wife was cheating so we have decided to part ways, which has pretty much left me with all the bills. I have?$5000 in credit card bills. I would like to pay these off and consolidate the payments into one.

Monthly net income: $ 2600 after taxes

Monthly expenses: $?1842.95
??Housing: $ 705.65
??Insurance: $ 123.00
??Car expenses: $ 381.53
??Utilities: $ 140.00
??Phone, cable, internet: $ 200
??Food, entertainment: $
??Clothing, household expenses $?
??Credit cards and other loans: $?292.77
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456327
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.08% Starting borrower rate/APR: 25.08% / 27.39% Starting monthly payment: $218.91
 
Auction yield range: 14.04% - 24.08% Estimated loss impact: 15.09%  
Lender servicing fee: 1.00% Estimated return: 8.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2001 Debt/Income ratio: 25%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 16 / 14Length of status:8y 1m
Credit score: 680-699 (Apr-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,497Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 17%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: Mo8322 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% ) 680-699 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
640-659 (Sep-2008)
 
Principal balance: $2,805.73 1+ mo. late: 0 ( 0% )
Total payments billed: 18  
Description
Paying off My Credit cards
Purpose of loan:
This loan will be used to? Payoff Debt and Consolidate Payments

My financial situation:
I am a good candidate for this loan because?
I have a good Job and live with Family.
Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 500
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 265
??Food, entertainment: $?80
??Clothing, household expenses $
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 19.20% Starting monthly payment: $178.26
 
Auction yield range: 14.04% - 16.00% Estimated loss impact: 14.70%  
Lender servicing fee: 1.00% Estimated return: 1.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1996 Debt/Income ratio: 30%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 12Length of status:18y 2m
Credit score: 680-699 (Apr-2010) Total credit lines: 25 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $23,615Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: finance-equinox 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
Energy Efficient Upgrades
Purpose of loan:
This loan will be used to? Make energy efficient upgardes to my home (tankless propane hot water heater and 95% energy efficient propane furnace)

My financial situation:
I am a good candidate for this loan because? I am a very hard working and reputable member of the United States Armed Forces. I have not had a late or missed payment ever. I have been approved by a bank for this loan, but I like what Prosper?is about?and would rather pay my fellow Americans interest rather than money hungry bankers.

Monthly net income: $ 4500

Monthly expenses: $?2725
??Housing: $ 1225
??Insurance: $ 100
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456333
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,700.00 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: $122.14
 
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: Sep-2006 Debt/Income ratio: 53%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 5Length of status:3y 7m
Credit score: 600-619 (Apr-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 1 Revolving credit balance: $1,768Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 107%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: hartrunner2003 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: 24 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,600.00< mo. late: 0 ( 0% )  
520-539 (Mar-2008)
 
Principal balance: $990.00 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Paying for last semester of college
This loan will be used to cover the cost of my?last semester?of college. I am a Christian Ministries major who wishes to go into the ministry as a pastor. In order to be more productive in my ministry,? I must spent more time in the missionary aspect of it. Because of this, I would need more time to pay off my college costs. Helping me with this would be really helpful and I would be really appreciative. I plan to graduate in the?Fall of 2010 and attend the?Mennonite Brethren Seminary in Fresno.?After that, I plan to spend a couple of years in Africa with Invisible Children because it is a real problem that has to be looked after.


I am a good candidate for this loan because I am a hard worker who will be working all summer in order to pay off his college loans. I am young but I have been taking care of myself for a very long time and I understand the value of a dollar more that most people. This will be my last semester and I am so close to achiving my goals. I took out?a prosper loan two years ago and have never been late on that loan. Hopefull, someone can help me out here because I do really need the help. My credit is not the best but I am still young and am fully confident that by using the Prosper system and with the help of human lenders, I can raise my credit up even more?in the months to come.

Monthly net income: $? 950

Monthly expenses: $
??Housing: n/a
??Insurance:??n/a
??Car expenses: $ n/a
??Utilities: $?15
??Phone, cable, internet: $ 40
??Food, entertainment: $?10
??Clothing, household expenses $10
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456339
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-2000 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: 7 / 7Length of status:33y 7m
Credit score: 660-679 (Apr-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $16,191Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: m7m7m7 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
BUSINESS CAPITAL
Purpose of loan:
This loan will be used to?finance purchase of business inventory for established 7 year old business.??I am not? desperate for this, it is simply a good business opportunity that?I would like to take advantage of while it is available.

I buy?surplus laboratory & industial equipment and sell?to the US and world market. This is an opportunity to purchase equipment from a supplier I have purchased from? 4 or 5 times in the past?3 years. They?have an excess of inventory and need space for more they have arriving. I have been offered a reduced price. ?I have averaged 3 or 4 to 1 return on investment when buying from this supplier.? In this type business it is necessary to take advantage of these oppotunities, as they do not come on a regular basis. I can buy this for about?25% less than normal and it is quality?equipment that should make an exceptional return on investment for me?.

.

My financial situation: last year grossed near $100,00 in sales with a net of $27,000 plus. About the same for 2008 on sales with a net of over $30,000
Profit & Loss statements are available.
I use 2 credit cards to purchase equipment. These have been used recently on other purchases. As I have said,?in this business, you need to buy when the equipement is available.?The temporary higher debt to limit ratios on the cards??is one reason the prosper rating is lower than it normally would be. These are paid down as sales are made. So our score fluctuates over time.

Wife works full time at a Hospital and nets average of $18,000 to $20,000 per year. Total yearly for Wife & Business net?$45,000

Monthly net income: $ $3500.00 (conservative & includes business net & wifes income)

Monthly expenses: $2010?
??Housing: $750
??Insurance: $40 (vehicle) health insurance is deducted from wifes gross?
??Car expenses: $180
??Utilities: $240
??Phone, cable, internet: $110
??Food, entertainment: $ 300 (just 2 of us)
??Clothing, household expenses $ 50
??Credit cards and other loans: $290
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456343
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,800.00 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: $171.90
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1986 Debt/Income ratio: 9%
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.

Monthly Breakdown: my take home is around? $3200.00/month, without overtime.? My mortgage is $1536.00, cable: $65.00, telephone: $70.00, gas: $112.00, electric: $130.00, cell phone, $130.00.? With all said and done, I usually spend a total of $2500.00/ month for everything, including groceries and auto/life insurance. I upped my asking amount from my last listing?due to the size of the deck being larger, 24' x 14'.? I am getting a pretty good deal by everyone wanting to help out.??Thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456345
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1995 Debt/Income ratio: 34%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 10Length of status:4y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 21 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $12,289Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: sincere-justice2 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
Wedding
Purpose of loan:
This loan will be used to help cover my wedding expenses this coming July.? This will be my first wedding to one of the most wonderful woman that I've ever met.? It is a dream come true for the both of us.? I'm so blessed that she's in my life.

My financial situation:
I am a good candidate for this loan because I'm hard worker despite my being hard of hearing.? I never expected to be treated differently, only with respect.? I currently live with my elderly mother in order to support her in every way that I can.? She was there for me and my siblings every step of the way and as her only unmarried child, now soon to be, I made sure that I was there for her.? She's just ecstatic that I've found someone to spend the rest of my life with.

Monthly net income: $ 1000

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 350
??Car expenses: $ 312
??Utilities: $ 70
??Phone, cable, internet: $ 60
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 800
??Other expenses: $ 60
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456355
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.48% Starting borrower rate/APR: 10.48% / 10.83% Starting monthly payment: $812.33
 
Auction yield range: 3.04% - 9.48% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1984 Debt/Income ratio: 21%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 8Length of status:8y 3m
Credit score: 820-839 (Apr-2010) Total credit lines: 38 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $18,923Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: nebula5 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
Business Capitol Start Up
Purpose of loan:
This loan will be used to?
Start an online social networking business. Nothing like facebook. It's profession based - namely for hairstylists. This will be the first website for people to be able to search for, interact with, and preview their hairstylist before using them. On the other end, this will be the first time hair stylists will be able to advertise them selves. Simply because a stereotypical hairstylist doesn't have technical ability to create a website to feature them selves, nor do Salons make an attempt at advertising their hairstylist talent. This will be the first professional business networking website of it's kind, centered around a single profession, namely for hairstylists.
My financial situation:
My financial situation is more than stable. I own a business that I've created. My business has expanded Over 20% a year since it's creation. I desire to start this website, because it has such a fantastic potential, and it's perfect for right now.
I am a good candidate for this loan because?
I am the perfect candidate for this loan, because I have the drive and the vision to see how perfect this is. This is the first style website of it's kind. It's the perfect time, and I have the experience, knowledge and time to make this project a huge success.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456357
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.5%  
   
 
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: 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-2008 Debt/Income ratio: Not calculated
Basic (1-10): 1 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 456369
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 12.60% Starting monthly payment: $35.17
 
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-1992 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 10Length of status:2y 8m
Credit score: 760-779 (Apr-2010) Total credit lines: 36 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $5,075Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: jholebound 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 760-779 (Latest)
Principal borrowed: $1,100.00< mo. late: 0 ( 0% )  
700-719 (Jul-2008)
 
Principal balance: $524.07 1+ mo. late: 0 ( 0% )
Total payments billed: 20  
Description
Help with Alpaca Fiber Processing
Purpose of loan:
? I have a small 13 animal Alpaca Farm, Star Valley Alpacas? www.openherd.starvalleyalpacas.com? I will use this loan to pay for shearing costs ($325). Fiber processing at my coop ($160) www.naafp. Booth fees for 2 festivals and the weekly Star Valley Farmers Market ($270) with the remainder going to add to the approximately $700 retail in inventory I have left

My financial situation:?? My alpaca product sales has increased from $1100 in 2008 to $3300 in 2009 and I have built a loyal customer base for my yarn and finished goods. I plan to expand the number of vending opportunities this year by adding a monthly trip to both the Teton Valley and Idaho Falls Farmers Markets and am always looking for more festivals to vend in.I am always the only Alpaca producer at? these events.I also vend at no less than three Christmas Fairs. I also have monthly open farrns where I sell my products and I advertise in the local classifieds from June-Sept for the tourist season.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456373
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.66% Starting borrower rate/APR: 32.66% / 35.08% Starting monthly payment: $285.49
 
Auction yield range: 11.04% - 31.66% Estimated loss impact: 10.80%  
Lender servicing fee: 1.00% Estimated return: 20.86%  
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: May-1997 Debt/Income ratio: 64%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 7Length of status:2y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 37 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $16,733Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: the-bonus-poem 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
get my credit cards paid down
Purpose of loan:
This loan will be used to help pay off bills and to be used for business expenses.

My financial situation:
I am a good candidate for this loan because i have never not?paid off a debt?

Monthly net income: $ 1500

Monthly expenses: $
??Housing: $ 235
??Insurance: $25
??Car expenses: $ 80
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?125
??Clothing, household expenses $ 0
??Credit cards and other loans: $?700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456379
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 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: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1999 Debt/Income ratio: 20%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:5y 1m
Credit score: 660-679 (Apr-2010) Total credit lines: 19 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $7,348Stated income:$25,000-$49,999
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
Business Start Up
Purpose of loan:
This loan will be for business start up

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: $4,000

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 456387
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 15.50% Starting borrower rate/APR: 16.50% / 18.69% Starting monthly payment: $212.43
 
Auction yield range: 8.04% - 15.50% Estimated loss impact: 6.85%  
Lender servicing fee: 1.00% Estimated return: 8.65%  
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: Jul-1969 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 17 / 17Length of status:8y 7m
Credit score: 680-699 (Apr-2010) Total credit lines: 37 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $100,259Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pound-pear 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
Eliminate Dependency on Bank Rates
Purpose of loan:
This loan will be used to eliminate high-rate credit card balance.? The bank rates are astronomical and I am looking at Prosper for more reasonable interest rates.

My financial situation:
I am a good candidate for this loan because I have been at my current job for 8 years?and I have paid bills on time.

Monthly net income: $ 4300

Monthly expenses: $
??Housing: $ 1400
??Insurance: $715
??Car expenses: $?0
??Utilities: $ 500
??Phone, cable, internet: $ 115
??Food, entertainment: $?220
??Clothing, household expenses $
??Credit cards and other loans: $ 1300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456391
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $818.47
 
Auction yield range: 8.04% - 10.00% Estimated loss impact: 8.71%  
Lender servicing fee: 1.00% Estimated return: 1.29%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1973 Debt/Income ratio: 74%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 25 / 21Length of status:16y 9m
Credit score: 760-779 (Apr-2010) Total credit lines: 51 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $31,739Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: camaraderi-confidant2 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my headaches
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I have a consistent work history, I pay my bills on time.? This bump in the road is because we have had several hospital emergencies for my wife and our combined income took a hit and now we are back on line.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456397
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 23.56% Starting borrower rate/APR: 24.56% / 26.86% Starting monthly payment: $276.69
 
Auction yield range: 8.04% - 23.56% Estimated loss impact: 9.06%  
Lender servicing fee: 1.00% Estimated return: 14.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2004 Debt/Income ratio: 39%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 9Length of status:5y 10m
Credit score: 760-779 (Apr-2010) Total credit lines: 15 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $3,186Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 26%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: red-lean-market Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off high intrests rates
Purpose of loan:
This loan will be used to pay off high intrest credit cards and 2 high intrest car loans. I would like this loan because it also shortens the amount of time I will pay on the loans to only 3 years, where it seems I just cannot get ahead on my credit cards.

My financial situation:
I am a good candidate for this loan because?I have good credit, am responsible with money and have steady?employment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456403
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1982 Debt/Income ratio: 6%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 4Length of status:38y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 29 Occupation: Teacher
Now delinquent: 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $6,088 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 14    
Screen name: gravitas1 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
Debt Settlement
Purpose of loan:
This loan will be used to? settle credit card debt.

My financial situation:
I am a good candidate for this loan because? I have very secure employment and?will have funds from extracurricular pay to?make the loan?payments. This is my first Prosper loan attempt and I am hoping to earn the communities trust with?my prompt pay-off.? My credit card debt is?due?to?excessive medical expenses?incurred for a family member.? Thank you for your consideration.

Monthly net income: $ 2930.00

Monthly expenses: $ 2642.00
??Housing: $ 996.00
??Insurance: $ 191.00
??Car expenses: $ No Car Payment
??Utilities: $ 120.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 875.00
??Other expenses: $ None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456409
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 30.40% Starting monthly payment: $53.34
 
Auction yield range: 11.04% - 26.38% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2007 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:0y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 5 Occupation: Other
Now delinquent: 0 Revolving credit balance: $482Stated 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: systematic-truth2 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay for college
Purpose of loan:
Pay? for my next semester of classes at university of phoenix

My financial situation:
I need the money to get my degree and I will pay it back with no late payement

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 340????????
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 1 / 2Length of status:3y 1m
Credit score: 640-659 (Apr-2010) Total credit lines: 12 Occupation: Accountant/CPA
Now delinquent: 2 Revolving credit balance: $835Stated income:$1-$24,999
Amount delinquent: $7,325 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 9    
Screen name: moneyasaurus-rex 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
Web Services for Established Site
This Loan will be used to implement a new program for our web-based clients.? Our company has operated as a part-time business for the last couple years, but after a?long layoff, I have decided to take the company full time by increasing our web-based and local client product offering.? Specifically the money will be used to update our website, and purchase some additional software.????

My financial situation:
I am a good candidate for this loan because I have over 25 years experience in business and accounting.? My credit score reflects my period of unemployment, and the damage done by my wife's company which closed? a few years ago, but does not reflect the expected growth and prosperity from implementing some new ideas and taking an already profitable business to a higher level of operation.

Monthly net income: $ 2000.00 from a guaranteed distribution.??My Wife earns 2000.00 per month from Unemployment.??

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 90
??Car expenses: $50
??Utilities: $ 150
??Phone, cable, internet: $?70
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $

My Accounting and Business Services Company had expenses of $5623.77 and Revenues of 7224.50 in March 2010.? The expenses include the Guarenteed payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456421
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 33.23% Starting borrower rate/APR: 34.23% / 36.67% Starting monthly payment: $156.80
 
Auction yield range: 17.04% - 33.23% Estimated loss impact: 19.96%  
Lender servicing fee: 1.00% Estimated return: 13.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2007 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 1 / 1Length of status:0y 6m
Credit score: 700-719 (Apr-2010) Total credit lines: 2 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $796Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 26%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: best-calm-repayment Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay of a few bills and fix my truck
Purpose of loan:
This loan will be used to?? to pay off a few bills to make every day living easyer and to fix my truck

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

Monthly net income: $ 2500

Monthly expenses: $ 1200
??Housing: $ 0
??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 456427
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $303.08
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1997 Debt/Income ratio: 28%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 6Length of status:1y 8m
Credit score: 720-739 (Apr-2010) Total credit lines: 19 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $6,716Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: green-note-fiesta 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
One Payment Please
Purpose of loan:
This loan will be used to?
consolidate three monthly payments on high intrest credit cards at $250.00 each,?into one affordable payment. I can make the payments now, but it would sure be nice to see a light at the end of the tunnel.? This loan would save me close to $500.00 a month. By the time the loan is paid I will have enough saved up to start a business of my own.
My financial situation:
I am a good candidate for this loan because?
I have great pride in paying my bills on time.? I have a steady job and I have a great savings plan for the extra money that this loan will generate. The one blemish on my credit occoured 9 years and 6 months ago. I was young and not very smart with some decisions that I made.? I am older, wiser and much more responsible now.? I am not requesting any more than I need to accomplish my goal.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 20.93% Starting borrower rate/APR: 21.93% / 24.19% Starting monthly payment: $190.77
 
Auction yield range: 8.04% - 20.93% Estimated loss impact: 7.49%  
Lender servicing fee: 1.00% Estimated return: 13.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1992 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Not employed
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:0y 10m
Credit score: 780-799 (Apr-2010) Total credit lines: 19Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $0 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: loan-guardian2 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
Cashflow until mortgage closure
Purpose of loan:
This loan will be used to pay business expenses until the mortgage closure.
My family owns a small building in Manhattan, New York City. Effected by current recession, we max out our cash due to months of tenant lost and mortgage renewal process fees. Although we have full occupancy now, the income is not enough to cover the upcoming miscellaneous vendor payments.

My financial situation:
I represent a business with excellent credit and potential. The mortgage closing is scheduled to be in June, with the same bank we use for the past 10 years and the loan officer revealed that we have high chance to get approved. This loan can be paid off once we renewed our mortgage, scheduled in June.
I, as a guarantor to this loan, has good credit and nearly no debt. I used to work in major financial institutions. Although currently unemployed, I have faith in my skills, and signs of economic recovery in local area shows that I can get a job soon.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456439
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $217.13
 
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: 16%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 4Length of status:0y 1m
Credit score: 660-679 (Apr-2010) Total credit lines: 9 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $3,694Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: friendly-dime0 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
Just a little help
Purpose of loan:
This loan will be used to? pay off two credit cards and two lingering medical bills from my first childs birth. I am making small payments on all four bills now, but the balances never seem to go down very much. This loan would relieve me of a lot of stress, and allow me to focus on my precious baby girls needs.

My financial situation:
I am a good candidate for this loan because? I am a hard worker who never lets anybody down.? I also feel a sence of obligation to anyone who lends me a helping hand.? I do my best to pay all of my debts back in full and always on time.

Monthly net income: $ 2,900

Monthly expenses: $?
??Housing: $735.00
??Insurance: $ 65.00
??Car expenses: $ 365.00
??Utilities: $?135.00
??Phone, cable, internet: $105.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $95.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456445
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2006 Debt/Income ratio: 3%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:0y 8m
Credit score: 660-679 (Apr-2010) Total credit lines: 3 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: courageous-peace 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
Building Credit
Purpose of loan:
Build crredit so i can buy a house in the future.

My financial situation:
I am a good candidate for this loan because i am very responsible and just looking to create a future for myself and my family.?

Monthly net income: $ 5,500

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 456449
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $242.66
 
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: Nov-2003 Debt/Income ratio: 20%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 8Length of status:2y 6m
Credit score: 740-759 (Apr-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,140Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: admirable-coin8 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
Paying off tax money
This loan will be used to pay off my tax money, for the taxes of this year thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456455
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $99.40
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2001 Debt/Income ratio: 39%
Basic (1-10): 5 Inquiries last 6m: 10Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 25 / 22Length of status:0y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 40 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $20,643Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: studentbrian00 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
Loan and CC Consolidation
Purpose of loan:
This loan will be used for upcoming medical treatment.

My financial situation:
I am a good candidate for this loan because I have not missed any payments on anything in quite a long time.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 50
??Car expenses: $ 325
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 31.36% Starting monthly payment: $180.19
 
Auction yield range: 17.04% - 28.00% Estimated loss impact: 19.63%  
Lender servicing fee: 1.00% Estimated return: 8.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1990 Debt/Income ratio: 25%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 9Length of status:6y 3m
Credit score: 680-699 (Apr-2010) Total credit lines: 47 Occupation: Other
Now delinquent: 0 Revolving credit balance: $7,897Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: dakota928 Borrower's state: Michigan Borrower's group: Small Business &amp; Self Employed
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
680-699 (Feb-2010)
640-659 (Apr-2008)
 
Principal balance: $1,074.51 1+ mo. late: 0 ( 0% )
Total payments billed: 23  
Description
New Software for Greater Production
Purpose of loan:
This loan will be used to?.payoff exisitng prosper loan which is excellent standing and use the balance to purchase new software for my mortgage company?which will improve?production and?ultimately increase revenue for the?business.

My financial situation:
I am a good candidate for this loan because?the money will be used to payoff my existing prosper loan and with the additional money it will only increase my payment by $75/mo. Recently I have paid off a couple of exisitng credit cards which has decreased my monthly payments therefore giving me the extra funds to pay this loan. Plus I already have extra residual per month to cover the increase in payment. (Not included in the breakdown below is my husbands social security?income which covers our house payment and household expenses.)

Thanks for your consideration in investing in me! :)

Monthly net income: $ 3500
Monthly expenses: $ 950
??Housing: $?0
??Insurance: $ 0
??Car expenses: $ 350 paid by company
??Utilities: $150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $?100
??Credit cards and other loans: $?300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456503
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $596.40
 
Auction yield range: 17.04% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1985 Debt/Income ratio: 33%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 6Length of status:0y 9m
Credit score: 720-739 (Apr-2010) Total credit lines: 26 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $9,387Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: calbear89 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: 24 ( 100% ) 720-739 (Latest)
Principal borrowed: $24,000.00< mo. late: 0 ( 0% )  
740-759 (Mar-2008)
600-619 (Oct-2007)
 
Principal balance: $9,365.39 1+ mo. late: 0 ( 0% )
Total payments billed: 24  
Description
Never ever late - why an HR?
Purpose of loan:
Consolidation of existing prosper loan with remaining credit card debt.

My financial situation:
I'd like to pay off my current prosper loan and current higher interest rate?credit card and save a few interest points.
I have an excellent job and a will have no trouble paying this loan.

I think my loan is rated at HR because I've been consolidating my debt to my cards and thus I have a high utlization, but as you can see, I'm never late and I never have been late on my current prosper loan.? I keep my financial obligations.? Nonetheless, the automated system has rated my loan as HR.? I'm not going to go with the system "recommended" interest rate because that is actually worse than my current card interest rate, but I'll let everyone decide for themselves whether they want to fund my loan.

As a side note, just to show how committed I am about meeting my financial obligations, I was laid off from my job in November of 2008 and was unemployed for 7 months but still was never late with a single payment on any of my financial obligations.? Bottom line is that this loan is in no way an HR, but rather than trying to fight the automated system, I thought it would be best to explain and have you decide for yourself.

Thanks for your consideration.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.01% Starting borrower rate/APR: 29.01% / 31.37% Starting monthly payment: $125.73
 
Auction yield range: 11.04% - 28.01% Estimated loss impact: 10.70%  
Lender servicing fee: 1.00% Estimated return: 17.31%  
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: Feb-1987 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 10Length of status:19y 4m
Credit score: 700-719 (Apr-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 0 Revolving credit balance: $11,928Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: yield-kahuna9 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off some debt
Purpose of loan:
This loan will be used to? pay off some debt.?

My financial situation:
I am a good candidate for this loan because? I have never missed a payment on a loan or a bill.??

Monthly net income: $4,000

Monthly expenses: $2,500
??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 456545
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1993 Debt/Income ratio: 86%
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 15 / 13Length of status:20y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 40 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $25,513Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: affluence-atlantis Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying bills
Purpose of loan:
This loan will be used to?
Wanting to pay down bills with a shorter term loan as opposed to the revolving accounts we now have.
My financial situation:
I am a good candidate for this loan because?
We've never missed?a payment and always on time.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456557
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 33.23% Starting borrower rate/APR: 34.23% / 36.67% Starting monthly payment: $156.80
 
Auction yield range: 17.04% - 33.23% Estimated loss impact: 19.96%  
Lender servicing fee: 1.00% Estimated return: 13.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1995 Debt/Income ratio: 27%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 10Length of status:17y 2m
Credit score: 680-699 (Apr-2010) Total credit lines: 41 Occupation: Laborer
Now delinquent: 4 Revolving credit balance: $1,212Stated income:$50,000-$74,999
Amount delinquent: $1,218 Bankcard utilization: 17%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 12    
Screen name: wommp55 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: 19 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,200.00< mo. late: 0 ( 0% )  
640-659 (Sep-2009)
640-659 (Aug-2009)
640-659 (Sep-2008)
640-659 (Aug-2008)
 
Principal balance: $1,196.43 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
CREDIT CARDS {NO MORE}
Purpose of loan:
This loan will be used to? PAY OFF EXISTING CREDIT CARD DEBT. THE SOONER THE BETTER. I want out of the credit industry. Its a rip off to the AMERICAN PEOPLE.

My financial situation:
I am a good candidate for this loan because? I AM NO STRANGER TO THE PROSPER COMMUNITY. I HAVE GOTTEN LOAN FROM PROSPER AND THIS TIME WILL BE NO DIFFERENT. I WILL PAY ALL THE MONEY BACK AT TAX TIME NEXT YEAR. I GOT LAYED OFF FROM MY JOB FOR A LITTLE WHILE AND I WAS CALLED BACK. i NOW HAVE A STEADY INCOME FOR MY FAMILY. THANK YOU

Monthly net income: $ VARIES WITH OVER TIME ABOUT 4200.00 MONTH

Monthly expenses: $
??Housing: $749
??Insurance: $
??Car expenses: $ 500
??Utilities: $
??Phone, cable, internet: $ 49.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $?180.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1974 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:36y 7m
Credit score: 740-759 (Apr-2010) Total credit lines: 14Stated income:$100,000+
Now delinquent: 1 Revolving credit balance: $43 
Amount delinquent: $100 Bankcard utilization: 4%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: principal-boss7 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
EXPANSION CAPITAL FOR BUSINESS!!
Purpose of loan:
This loan will be used to? Expand our company and business interests. We are connected with several non-profit organizations, also W.I.F.F. (Woman's Independent Film Festival) that all assist with our current business expansion. The expansion capital we are seeking will allow us to cover marketing and advertising expenses associated with different events that will bring to market all we have been working hard on the past year. Preston Enterprises is an exclusive clientele firm that designs, develops, and collaborates with innovative new products, businesses, and finds niches in the market where a product or service is needed, and builds a campaign to enter it successfully. 2009 first years revenues totaled $325,000 from the months of June 2009 through November 2009. The income generated by our business plan structure came from clientele services offered to our 10 clients we have chosen to work with. We are now working with those clients who have already done successful business transactions with us to raise capital with other lenders to fund the marketing costs of the campaigns we have diligently put together over the course of the past 6-12 months.

My financial situation:
I am a good candidate for this loan because?Our exit strategy is simple, clear, and proven. We charge our clients for our services! Therefore, when taking on even 1 new client, the entire $25,000 loan is repaid! We have chosen not to take on any more clients in the past 6 months to focus on crafting and researching the businesses that our existing clientele have brought to us in year 1. We have perfected our clients business plans to enter each market share within the next 30 days. We have deposits held at our escrow account from investors already committed to lending to our clients marketing campaigns and projects. Everybody will benefit from this situation; our clients, their investors we have brought to the table, Preston Enterprises, and you as our 'bridge' investor. This is a win-win for for everybody involved, and we have a track record to prove it!! We anticipate paying the full dollar amount of $25,000 back within the next 30-60 days without breaking a sweat. Pre-payment penalties would not hinder us from doing so either.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456593
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 12.95% Starting borrower rate/APR: 13.95% / 16.11% Starting monthly payment: $683.07
 
Auction yield range: 11.04% - 12.95% Estimated loss impact: 10.28%  
Lender servicing fee: 1.00% Estimated return: 2.67%  
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: Apr-1995 Debt/Income ratio: 28%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 12Length of status:2y 0m
Credit score: 720-739 (Apr-2010) Total credit lines: 26 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $57,197Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: eclipse8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 423558
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $421.80
 
Auction yield range: 4.04% - 9.38% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 7.25%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1987 Debt/Income ratio: 11%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:0y 3m
Credit score: 780-799 (Apr-2010) Total credit lines: 11Stated income:$50,000-$74,999
Now delinquent: 0 Revolving credit balance: $6,176 
Amount delinquent: $0 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: integrity-patriot 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
Pay off credit cards
Purpose of loan:
This loan will be used to? pay off the last of my credit card debt. Most of this debt was paying for College related expenses for both of my daughters. My oldest daughter is graduating on May 9th from Lewis and Clark College in Portland Oregon. My younger daughter just completed her first Semester of a 2 year nursing program through the University of Alaska Fairbanks. Both of my girls are working at jobs of their own and are pretty much self-sufficient. I retired from 27 years with the City of Ketchikan, Fire Dept. where I spent the last year as Assistant Fire Chief. It would be financially in my favor to secure a loan to pay off the credit cards and just have 1 payment to deal with, hopefully at a reasonably low interest rate.

My financial situation:
I am a good candidate for this loan because?I have a very good credit rating, which shows that I do not miss payments and have always paid my debts. I own a home with my ex-wife, but cannot use it for collateral due to our divorce agreement. Besides my credit cards, I have only one other debt, which is a student loan from ACS. It will be paid off soon. Thanks..
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 441444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 22.68% Starting borrower rate/APR: 23.68% / 25.97% Starting monthly payment: $273.46
 
Auction yield range: 11.04% - 22.68% Estimated loss impact: 10.55%  
Lender servicing fee: 1.00% Estimated return: 12.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 51%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 9Length of status:4y 11m
Credit score: 700-719 (Apr-2010) Total credit lines: 22 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $21,957Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: worth-trident Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off 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??pay my bills on time, and if?I just can have one monthly payment?I can?work on getting a house. I?just need someone to give me a helping hand.????

Monthly net income: $ 2400.00

Monthly expenses: $
??Housing: $
??Insurance: $ 272.00
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?200.00
??Clothing, household expenses $ 200.00
Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 453090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1980 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:0y 1m
Credit score: 720-739 (Apr-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $53,447Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: income-sleuth0 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 down a high interest credit
Purpose of loan:
This loan will be used to pay off most of the principal balance on one of my credit credit cards that has a very high interest rate.? I need a more manageable payment.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time.? One credit card company (citibank) has maximized the interest rate and will not lower it so it is becoming impossible for me to keep making the minimum monthly payment on this credit card.? I would like to be able to pay of the balance of this card and close that account, but the loan cap on this site is not enough to do that.? I want to be able to pay it off enough so that I can continue to make all of my bill payments on time.? My ultimate goal is to become completely debt free within three years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455108
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $557.45
 
Auction yield range: 17.04% - 19.00% Estimated loss impact: 35.56%  
Lender servicing fee: 1.00% Estimated return: -16.56%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1982 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 9 / 9Length of status:1y 6m
Credit score: 700-719 (Apr-2010) Total credit lines: 27 Occupation: Attorney
Now delinquent: 1 Revolving credit balance: $207,954Stated income:$100,000+
Amount delinquent: $843 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: awe-inspiring-vigilance 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
Professional Business Loan
Purpose of loan:
I am looking for a new business loan to provide working capital necessary to develop a professional consulting practice that operates virtually, i.e., entirely ?in the cloud? and without brick and mortar and its associated overhead. Loan proceeds will be applied towards the purchase of capital equipment, the acquisition/development of IT infrastructure, limited marketing and business development, and the retirement of existing debt to smooth out cash flow.

My financial situation:
The core business concept is an entirely virtual consultative practice - an accomplished "big firm" lawyer at "virtual" rates unburdened by overhead.? I have a niche skill set - developed over a 20 year career - matched by few in the legal industry on a national level. Thus, I already have the reputation; what I don't have is?the right?launching pad. Although there are existing attorney and non-attorney providers in the area, it is my considered view that my own ideas and approach are transformative and genuinely "out-of-the-box." In the final analysis, I am looking to create an independent practice platform to service what I believe to be a client base currently choked with formulaic, rather obsolete advice. It is my considered view that conflicts of interest, among other things, limit my business potential in a traditional firm and call for the transition to an independent platform.?Creating such a thing requires, of course, capital . . .

Lender's risk here is that he or she will be betting on the strength of my credentials and experience, and specifically that those things will result in a profitable practice. I obviously think that the risk on that stead is nil, and, therefore, that the risk of default is likewise nil. Of course, that is not to say that there isn?t a leap of faith here ? there is. My credit score was an unwavering 800 for many years ? it bounces around in the 600?s now because business has been horrific and ? like some of my slow-to-pay clients ? I am hoarding cash against the nuclear winter. Beyond those general economic conditions, my current platform has come to greatly limit the business I can both generate and accept which, of course, negatively and materially affects the revenue I can generate. Further, my current firm suffered the unexpected death of a key partner, dealing a crippling blow to the brand and its potential for generating significant new business.

Net = This is a cool idea, it will be tremendously fun to run with, and, I believe, will prove very successful. The downside risk is that I need an angel/venture lender willing to offset a credit score hiccup with professional credentials and proven achievements. I welcome any questions or discussion.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 455626
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.04% Starting borrower rate/APR: 12.04% / 14.17% Starting monthly payment: $498.50
 
Auction yield range: 11.04% - 11.04% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1994 Debt/Income ratio: 36%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:6y 8m
Credit score: 740-759 (Apr-2010) Total credit lines: 22 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $19,721Stated 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: unrivaled-bill0 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
payying some credit cards,remodelin
I plan to use this money to pay credit cards and remodel part of my house. I make good salary in addition to commissions but for the last two years things have not been as productive as before however the situation is starting to change but a little too slow and I need to catch up. I do pay all my bills and asking for a loan is not an easy thing to do but I appreciate it. thanks b>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 456282
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 9 / 9Length of status:0y 4m
Credit score: 720-739 (Apr-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,192Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: organized-power2 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
business expansion
Purpose of loan:
This loan will be used?to purchase?needed?equipement and to finish setting the atmosphere needed for the customers.??

My financial situation:
I am a good candidate for this loan because?my?business is?a new comedy lounge that will focus on?attracting?the population of Fort Rucker and all the surrounding counties. With a population that exceeds 80,000?and?growing by 5% each year, Genuine Xpression?will be centrally located between Ozark, Enterprise, Fort Rucker, and Dothan. The area already has?one bar that has been thriving for the past five years.? Recently, commercial space has become available next to Fort Rucker; therefore we havel consolidated this space into a 4,800 square foot comedy lounge. The location is on the main street most often used by all surrounding areas.? Once opened, we?will have the exceptional management team to guide?our success.?The owner?has over 5 years of lounge management experience. The owner?has been the manager of Fort Campbell Officers Club, the most popular entertainment business in Fort Campbell, KY, for the past?10 years.?The owner?have successfully orchestrated several comedy shows within the wiregrass, a thriving area for safe, clean, and friendly entertainment atmosphere.?

? It's not the lights; it's not the liquor; and it's not the sound. It's the people! And it?s the FUN! Successful comedy lounges are based on an accurate understanding of?the core?customers.?Our mission is to create an environment full of laugher that satisfies the changing tastes and expectations of our core customers; i.e. mid-age women. If the women come, the men will follow. In order to achieve this goal, we must constantly improve our response to the customers' entertainment needs.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456288
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.53% Starting borrower rate/APR: 21.53% / 23.79% Starting monthly payment: $379.48
 
Auction yield range: 8.04% - 20.53% Estimated loss impact: 6.68%  
Lender servicing fee: 1.00% Estimated return: 13.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1981 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: 8 / 8Length of status:30y 8m
Credit score: 820-839 (Apr-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 0 Revolving credit balance: $4,309Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: velocity-hut 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
winterizing, replacing windows
Purpose of loan:
Winterize antique farmhouse in Columbia County New York, an increasingly popular destination for New Yorkers in the arts and entertainment industry.

My financial situation:
I am a good candidate for this loan because?I have an excellent record of repayment, have a very long and steady history in my business as a writer and branding consultant, am married with a wife who contributes an additional $100,000 to our annual income.? I also have retirement accounts worth $330,000 and a Brooklyn Coop worth $950,000 (we owe $270,000)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456294
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2007 Debt/Income ratio: 36%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 1Length of status:0y 0m
Credit score: 640-659 (Apr-2010) Total credit lines: 2 Occupation: Analyst
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: BubblyRedHead 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
Buying a Car for Work and School
Purpose of loan:
This loan will be used to get me a vehicle which will be used for transportation to and from work and for school in the fall.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time, I have very few expenses, and am very responsible.

Monthly net income: $ 1560

Monthly expenses: $625
? Housing: $ 325
? Insurance: $100
? Car expenses: $0
? Utilities: $0
? Phone, cable, internet: $0
? Food, entertainment: $100
? Clothing, household expenses $50
? Credit cards and other loans: $0
? Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1993 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: 5 / 4Length of status:4y 11m
Credit score: 720-739 (Apr-2010) Total credit lines: 33 Occupation: Realtor
Now delinquent: 0 Revolving credit balance: $3,276Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 27    
Screen name: WhiteScienceMaui 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
Starting a business to get ahead!
Purpose of loan:
This loan will be used to?
Purchase a teeth whitening franchise to start on Maui, Hawaii. The cosmetic teeth whitening industry has grown 300% per year for the last three years.? Currently, most people go to a dentist and pay anywhere from $200 to $300 for their trays and $25 per syringe of "gel", or they try over the counter strips like "Crest Whitestrips", which many find do not work.? This business will allow clients to whiten their teeth for half the price of a dentist with results anywhere from 2-6 shades whiter.? The products are approved by the FDA and give great results even though they are over-the-counter grade. This franchise only allows one representative per 100,000 people and I would be the only one on Maui.? The loan would be used to purchase the entire start-up package, which contains enough product to be able to double the amount of the investment.?
My financial situation:
I am a good candidate for this loan because? I am a mother of four who is trying to work hard to provide for them.? As a real estate agent, the economic downturn really hit our family hard and I wanted to try an additional avenue of finding good income to?improve our lives?rather than just staying status quo.?I have recently been able to improve my credit score by approximately 100 points and am striving diligently to continue to raise it to what it was before going through a divorce. I am committed to doing everything I can for my family and our financial situation.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456306
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.50% Starting borrower rate/APR: 19.50% / 21.73% Starting monthly payment: $129.18
 
Auction yield range: 17.04% - 18.50% Estimated loss impact: 19.03%  
Lender servicing fee: 1.00% Estimated return: -0.53%  
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-1996 Debt/Income ratio: 71%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 9Length of status:4y 11m
Credit score: 660-679 (Apr-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 1 Revolving credit balance: $8,159Stated income:$1-$24,999
Amount delinquent: $72 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: tassia333 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: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,500.00< mo. late: 0 ( 0% )  
700-719 (Jun-2008)
660-679 (Mar-2008)
 
Principal balance: $1,551.54 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?Pay off a bill.

My financial situation:
I am a good candidate for this loan because?I WILL pay it back....

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $
??Insurance: $ 197
??Car expenses: $ 330
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456310
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 29.50% Starting borrower rate/APR: 30.50% / 32.89% Starting monthly payment: $213.63
 
Auction yield range: 8.04% - 29.50% Estimated loss impact: 8.71%  
Lender servicing fee: 1.00% Estimated return: 20.79%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 20 / 18Length of status:28y 3m
Credit score: 720-739 (Apr-2010) Total credit lines: 48 Occupation: Other
Now delinquent: 0 Revolving credit balance: $140,616Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: birdbth Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
plane to adopt 3 children
Purpose of loan: We have spent about $5,000 doing paperwork and making plans to adopt a 17 year old Ukrainian girl, her 14 year old brother and a 15 year old boy. We will use the proceeds from this loan to buy the plan tickets for the adoption. We hope to be leaving for Ukraine the end of this next month. The normal cost for an adoption is $15-20,000. We presently have 5 maternal children and 3 grandchildren. We live in a 16,200 square foot school we converted to a house. We have lots of love and plenty of room for additional children.

My financial situation: We have a restaurant which we have owned and operated since 2003. We also buy depressed real estate, repair it and than rent it. We have purchased depressed property over the past 28 years and now have 132 units. We have good cash flow. We have always made our payments on time (notice no late payments ever!) and we only buy property which will make enough profit to make its own payment. We have used all available forms of borrowing to purchase these depressed properties including any of the low interest credit cards. Our credit card balances are high at this time because of the property we have purchased this past year. We started with 3 properties in 1982 and have continued buying and borrowing funds to purchase additional properties. As we get a property paid for we have taken out new mortgages and bought additional properties.We may seem to have a lot of debt for the average person but because of our positive cash flow we have always been able to make our payments since we have the ability to regulate our maintenance and repairs costs to our incoming cash.I am starting this interest rate out high to get the loan so I have the funds for the plane tickets but the higher the ending interest rate the quicker I will pay the loan off. Please see my profile for additional information. Thanks for your bids
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.38% Starting borrower rate/APR: 27.38% / 29.72% Starting monthly payment: $155.91
 
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-1988 Debt/Income ratio: 21%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:9y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 42 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $4,720Stated income:$50,000-$74,999
Amount delinquent: $230 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 26    
Screen name: 3fishes Borrower's state: California Borrower's group: All In The Family
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 97% ) 700-719 (Latest)
Principal borrowed: $5,500.00< mo. late: 1 ( 3% )  
700-719 (Mar-2010)
600-619 (Nov-2007)
700-719 (Aug-2006)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 36  
Description
Payoff IRS DEBT
Purpose of loan:
This loan will be used to pay the balance due for my 2009 Federal and State Taxes

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

Monthly net income: $ 4500

Monthly expenses: $?3000
??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 456324
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1998 Debt/Income ratio: 17%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 9Length of status:6y 9m
Credit score: 640-659 (Apr-2010) Total credit lines: 30 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,341Stated 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: combine123 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: 0 ( 0% ) 640-659 (Latest)
Principal borrowed: $2,500.00< mo. late: 0 ( 0% )  
620-639 (Jul-2009)
660-679 (Jan-2008)
660-679 (Dec-2007)
680-699 (Nov-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 0  
Description
Improve our new home
I will be using this money to do a few things to our new home. I would like to get a few rooms painted and upgrade our bathroom. My wife and I moved in about a month ago and are both employed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456336
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 14.04% - 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: 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 Russia - 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 several 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 456346
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.55% Starting borrower rate/APR: 25.55% / 27.86% Starting monthly payment: $240.31
 
Auction yield range: 11.04% - 24.55% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 13.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1994 Debt/Income ratio: 15%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:14y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 15 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $10,035Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 3 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: encourager784 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
Pay off high interest credit cards.
Purpose of loan:
This loan will be used to? pay off credit cards that suddenly have a high interest, through no fault of mine. I am not late on my payments.
My financial situation:
I am a good candidate for this loan because? I am not late on payments, but suddenly they were raised before the governments rules went into affect. I am getting closer to retirement and wish to cancel my cards so I may retire with no cards and extra bills other than the?normal ones we all have.
I wish to have one monthly payment at a lower interest and will be able to make higher payments because of the money?I will save with the lower rates. Thank You very much for helping me!
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 456348
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $806.68
 
Auction yield range: 8.04% - 9.00% Estimated loss impact: 7.18%  
Lender servicing fee: 1.00% Estimated return: 1.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1990 Debt/Income ratio: 28%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 17 / 17Length of status:2y 3m
Credit score: 760-779 (Apr-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $10,857Stated 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: market-conqueror6 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards.? I can currently pay them off in 3 years at the high interest rate.? With a lower interest rate, I can pay them off sooner.

My financial situation:
I am a good candidate for this loan because my employment is stable.? I have never defaulted on my student loans, home loans, credit cards.? I pay them in a timely manner.? I can have this payment automatically deducted from my account, so there will never be any question if it will be paid.? I would rather pay you a lower interest rate than the credit card companies ridiculous rate, and you get more return on your investment with no risk.? No risk, because I'm good for it - just check my credit score!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456352
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $994.00
 
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: Nov-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 7Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:3y 10m
Credit score: 640-659 (Apr-2010) Total credit lines: 22 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $14,483Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: voyage8 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
Fusion Asian Restaurant
Purpose of loan:
This loan will be used for my family's four yrs old small restaurant. To replace dining chairs, tables, install TV, molecular gastronomy equipments, color changing lights, tap beer, and half will be used as a working capital

My financial situation: Truth is Yes my restaurant is doing just enough to survive But need out-source funding in order to upgrade decor, and menu to provide my customers quality food and environment without the price of Beverly Hills. I really want to add that my credit score is 710 (trans union) but here it came out to be 640+. Mu revolving Balance is $5,355 and the inquiries should be 3 in last 6 month period. I lknow this because I just leased new car to reduce my monthly payment.
I am currently trying to figure out the difference with credit reporting companies. I make sure I pay back what I owe to others who tried to help me. What I want to say is that I will not make a deal which I can not handle and this is why? set my payback % under 30% inorder to keep my payments under $1,000 as well.
Please ask me anything and I will tell you all about our restaurant as a chef and owner. Thank you.


Monthly net income: $8000

Monthly expenses: $3070
??Housing: $1300
??Insurance: $150
??Car expenses: $500
??Utilities: $150
??Phone, cable, internet: $70
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $300
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456354
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.48% Starting borrower rate/APR: 9.48% / 9.82% Starting monthly payment: $320.24
 
Auction yield range: 3.04% - 8.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1993 Debt/Income ratio: 5%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 14Length of status:6y 5m
Credit score: 840-859 (Apr-2010) Total credit lines: 50 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $5,159Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dts2121 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
Our new living room
Purpose of loan:
This loan will be used to fund the renovation of our living room.? We've just moved into our new house, and we'd like to paint, install new carpet, and add new lighting fixtures, among a host of other initiatives.?

My financial situation:
I am a good candidate for this loan because?
* I pay all of my bills on time, all the time.?
* I have no debt . . . and I pay 100% of my credit card balance off every month.? No debt.
* I have great income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456364
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.48% Starting borrower rate/APR: 8.48% / 8.82% Starting monthly payment: $157.79
 
Auction yield range: 3.04% - 7.48% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1994 Debt/Income ratio: 17%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:2y 9m
Credit score: 820-839 (Apr-2010) Total credit lines: 30 Occupation: Food Service Manage...
Now delinquent: 0 Revolving credit balance: $1,444Stated 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: liberty-course 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
Remodeling Bathroom & Paying off
Purpose of loan:
The purpose of this loan is two parts:
?1. $3,500 will be used to remodel my bathroom - I have an old bathroom from the 70's.? As the weather gets warmer in CT, this will be a great opportunity to modernize the bathroom in my condo.? Bathroom remodeling usually pays off later when it is time for reselling.

2. $1,500 will be used to pay off some old credit card debt from college.? I've paid down the majority of it and realize that there is not much left, however, I am not happy with the current interest rate that the bank is charging.? Thus, I am consolidating this debt with the home improvement project.

My financial situation:
I am a good candidate for this loan because I have an excellent credit score.? I am very responsible and conscientious of my financial obligations.? All my bills are paid on time.? I currently have a steady job that I enjoy very much.?




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456366
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 11.48% Starting monthly payment: $191.86
 
Auction yield range: 4.04% - 8.38% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2000 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 10Length of status:3y 3m
Credit score: 760-779 (Apr-2010) Total credit lines: 45 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,751Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pious-velocity4 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
Printing costs for our baby tees
Purpose of loan:
This loan will be used to pay for the printing costs of our baby onesies for our business

My financial situation:
I am a good candidate for this loan because we have a solid product, excellent design, and an exceptional credit history. We are trustworthy, and our business will be profitiable. We have no overhead, other then getting our inventory bought and printed.We are working from our home, have an ecommerce site set up and tons of networking already done.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456376
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $108.52
 
Auction yield range: 17.04% - 17.04% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2005 Debt/Income ratio: 63%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:1y 1m
Credit score: 700-719 (Apr-2010) Total credit lines: 13 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $2,333Stated income:$1-$24,999
Amount delinquent: $413 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: mindful-durability1 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
Getting rid of credit card debt
Purpose of loan:
To pay off credit card bills.?

My financial situation:
I am a good candidate for this loan because I am a recent college grad who works two jobs while studying?for GRE to get into grad school.? I have tried looking for a job that pays more but jobs are limited where I reside.

Monthly net income: $ 1000

Monthly expenses: $
??Housing: $ 675
??Insurance: $ 138
??Car expenses: $
??Utilities: $ 70
??Phone, cable, internet: $ 70
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456378
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1994 Debt/Income ratio: 10%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 7Length of status:3y 10m
Credit score: 680-699 (Apr-2010) Total credit lines: 12 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $2,334Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 33%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: good-credit 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
First prosper loan!
Purpose of loan:
This loan will be used to pay credit cards/debt off.

My financial situation:
I am a good candidate for this loan because I have sufficient income and a stable job. I have good credit and payment history.? The only negative item on my credit report is a judgement for $100 due to an unpaid dentist bill. I had moved right after getting wisdom teeth pulled and they continued to send the bill to my old address.? I first learned that I owed the?$100 when it finally appeared on my credit report.??I am responsible, dependable, hard-working and honest. My family and I recently purchased our first home ( reason for credit inquiries) and it would be great to pay off our credit cards/debt and build a nest egg again.? Feel free to ask me anything. Thanks so much for reading and for your consideration.


Monthly net income: $ 6000

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456380
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 26.38%  
Lender servicing fee: 1.00% Estimated return: -2.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1996 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 1 / 1Length of status:0y 3m
Credit score: 640-659 (Apr-2010) Total credit lines: 41 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $69Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 1/ 4 Homeownership: No  
Delinquencies in last 7y: 17    
Screen name: MMRT0908 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
Medicine Expenses
Purpose of loan:
This loan will be used to? provide medicine for my disabled wife and purchase COBRA health care until October when her medicare insurance becomes active. My wife worked as a nurse for many years before she came down sick. It started with occasional migraines and progressed to cluster migraines,?migraines with stroke like symptoms,?constant daily headache, fibromyalgia, depression, etc. Within 2 years my wife became totally disabled and required several medications to make her comfortable and let her somewhat function on a daily basis. We had traveled to several states and clinics in search of help and a cure for her condition. Unfortunately, after all tests the conclusion from all doctors was that the only thing they could do was manage her pain and try to improve her quality of life. As her condition worsened I had to take FMLA time off work to care for my wife,?when my FMLA was over my employer said they were doing cutbacks and my department was being downsized and my position was being eliminated. I then purchased a business for sale locally so that I could better care for my wife and be home more. Her medicine costs me almost $1500 a month and she needs her medicine, she also has appointments with her doctors regularly. I?meet my financial responsibilities but have exhausted our savings on medication, and doctors bills?since January and I don't have an extra $1500 dollars every month for medicine. All state agencies she talked said either there is no assistance available right now or she didn't qualify. I would like to thank everyone in advance for reading this and considering helping me.

My financial situation:
I am a good candidate for this loan because? I am an honest hard working father and husband who just wants to take my wife's pain away and provide for my children. I own and operate a local business which is?doing good. However, I can't filter money from my business to me personally and take risks of tearing the corporate veil since I am incorporated, besides it would be dishonest. I can afford the payment for this loan without a problem and would even request the payment to come directly out of bank account. Income listed does not include my wife's disability payment each month which is direct deposited by the Federal Government.

Monthly net income: $2000

Monthly expenses: $
??Housing: $650
??Insurance: $100
??Car expenses: $0
??Utilities: $200
??Phone, cable, internet: $180
??Food, entertainment: $300
??Clothing, household expenses $0
??Credit cards and other loans: $150
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456390
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 16.27%  
Lender servicing fee: 1.00% Estimated return: 17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1988 Debt/Income ratio: 60%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 10Length of status:6y 10m
Credit score: 600-619 (Apr-2010) Total credit lines: 56 Occupation: Professional
Now delinquent: 4 Revolving credit balance: $3,639Stated income:$25,000-$49,999
Amount delinquent: $650 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 45    
Screen name: SmallBus55 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: 21 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,000.00< mo. late: 0 ( 0% )  
600-619 (Jul-2008)
640-659 (Apr-2008)
 
Principal balance: $1,088.82 1+ mo. late: 0 ( 0% )
Total payments billed: 21  
Description
Paying off Credit Card Debt
Purpose of loan:? This loan will be used to?pay off?much of?my credit card debt. About 2 years ago I started a part-time, back-of-book indexing business, with a loan from Prosper. I have a perfect payment history for this loan.

My business is growing more slowly than I anticipated, mainly due to the recession. But I have not given up and plan to continue. I currently clear about $300 monthly from the business, but expect that to grow.

It will be financially advantageous to?pay off?most of?my credit card debt, which I currently pay $200 a month for (and at very high interest rates),?with a Prosper loan for $1000. If that loan payment is about $65 a month, I will have $135 in cash extra per month. Plus I will be able to finish paying it off in the forseeable future, instead of paying the credit card company for years.

My financial situation:? I am a good candidate for this loan because I have an excellent understanding of business (an undergraduate degree in business administration), and am self-motivated and hard-working. Although I had some credit difficulties in the past (from family illnesses and school expenses), I?have been and am working?hard to repay all my loans and improve my credit score. I list my credit as "fair" because I want to be honest. I know there are still areas of my credit that need improving, and I am still working on that, which is one reason I?started my indexing business. I am still working full time as a librarian.

Monthly net income: $ 3,300
Monthly expenses:
Housing: $ 900
Insurance: $ 90
Car expenses: $400
Utilities: $ 90
Phone, cable, internet: $ 65
Food, entertainment: $ 400
Clothing, household expenses $ 200
Credit cards: $?200?
Other expenses: $ 100
Current Prosper $90

Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456396
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.13% Starting borrower rate/APR: 7.13% / 7.47% Starting monthly payment: $30.94
 
Auction yield range: 3.04% - 6.13% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1989 Debt/Income ratio: 3%
Basic (1-10): 10 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 14Length of status:1y 10m
Credit score: 820-839 (Apr-2010) Total credit lines: 61 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $2,557Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 4%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: dilbert42 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
Help a friend get a referral bonus
Purpose of loan:
This loan will be used to help a friend get a referral bonus from Prosper.

My financial situation:
I am a good candidate for this loan because I don't need the money.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456400
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.0%  
   
 
Starting lender yield: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $470.24
 
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: Oct-1995 Debt/Income ratio: 35%
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 10Length of status:3y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 21 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $14,834Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: graceful-payout550 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my credit cards
Purpose of loan:
This loan will be used to pay of my credit cards once and for all.? I am legal seperated from my husband for over 3 years now, I was left will all the credit cards because they were in my name.?
My financial situation:
I am a good candidate for this loan because you will see on my credit rating I pay my bills on time and have done so for quite a while. Also I am wanting to purchase my home that I currently live in.? You will se on my credit report a judgement against me from Toyota, in my legal seperation states that it is my husbands responibility to pay it off.? Currently I am working?with Toyota to have it removed from my credit rating.? In addition, I also work two jobs to make sure I have enough to pay all my bills and will continue to until everything is paid off.

Monthly net income: $ 3030

Monthly expenses: $ 2878
??Housing: $ 1147
??Insurance: $ 93
??Car expenses: $430
??Utilities: $ 65
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 30
??Credit cards and other loans: $?536
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456406
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 13.03% Starting borrower rate/APR: 14.03% / 16.19% Starting monthly payment: $119.67
 
Auction yield range: 6.04% - 13.03% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.81%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1997 Debt/Income ratio: 35%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 18 / 16Length of status:11y 3m
Credit score: 720-739 (Apr-2010) Total credit lines: 39 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $7,444Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: peaceful-listing4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Credit Cards
Purpose of loan:
This loan will be used to pay off a credit card with a high interest rate.????

My financial situation:
I am a good candidate for this loan because I have been employed with the same company for over 10 years and am able to make the payments without a problem.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456418
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1997 Debt/Income ratio: 59%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 17Length of status:5y 8m
Credit score: 640-659 (Apr-2010) Total credit lines: 36 Occupation: Attorney
Now delinquent: 0 Revolving credit balance: $78,558Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: liberty-wonder 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
Repairs to old house so I can sell
Purpose of loan:
This loan will help me make some minor repairs to my older home so that I can put it on the market.? I am not looking to make a huge profit on the sale of this house but I have two young children and I would like to move somewhere that is more family-friendly so that they can play outside without me fearing for their safety (we live on a busy road).?
I would also like to find a house with a lower payment so I can start tackling my high interest debt.? My house is in a popular neighborhood for young professionals and retirees so I do not think that I will have a problem selling the house.? However, it will not sell without these repairs (paint, trim, etc.).? I have several credit cards that I could use to pay for the projects but although I always paid on time, my credit card companies recently lowered my credit limits and raised my interest rates (as they did with a lot of people). So, I would rather not use them at this time.?

My financial situation:
I am a good candidate for this loan because I have steady employment with a good income.? I would anticipate my income increasing substantially within the next five years as I anticipate being promoted within my company.? My husband also has a steady employment and good income (although his income is not included on this loan request).I pay on time and just need a little help getting things moving with regard to the house so that I can sell it and move on to a less stressful life with my kids.

Monthly net income: $ 4162.00 (not including husband?s income)

Monthly expenses: $
??Housing: $ 1237.00
??Insurance: $ 50.00
??Car expenses: $ 449.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 31.32% Starting borrower rate/APR: 32.32% / 34.73% Starting monthly payment: $655.98
 
Auction yield range: 11.04% - 31.32% Estimated loss impact: 10.79%  
Lender servicing fee: 1.00% Estimated return: 20.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1993 Debt/Income ratio: 34%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 14Length of status:13y 3m
Credit score: 720-739 (Apr-2010) Total credit lines: 35 Occupation: Other
Now delinquent: 0 Revolving credit balance: $138,613Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: shrewd-bazaar1 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
Additional Gas Inventory
Purpose of loan:
This loan will be used to purchase gasoline for cash and receive a prompt payment discount of 2% per order.

My financial situation:
I am a good candidate for this loan because I own several gasoline/service stations, have been in the business for 13 years, and I am completely current with all my accounts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456436
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.45% Starting borrower rate/APR: 26.45% / 28.78% Starting monthly payment: $405.31
 
Auction yield range: 11.04% - 25.45% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1990 Debt/Income ratio: 24%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 16Length of status:3y 8m
Credit score: 700-719 (Apr-2010) Total credit lines: 33 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $61,638Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: economy-violin8 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
Debt Consolidation of Chase Credit
Purpose of loan:
This loan will be used to consolidate existing 30% balances on Chase cards after Chase took over WaMu

My financial situation:
I am a good candidate for this loan because my wife and I earn good salaries as full-time RNs. We paid off $45,000 in debt in the past year and have about $20,000 to go. We continue to work our debt reduction plan. Debt was accumulated in home schooling children and business start-up over the past five years.

Monthly net income: $8000

Monthly expenses: $6000
??Housing: $2100
??Insurance: $300
??Car expenses: $300
??Utilities: $300
??Phone, cable, internet: $200
??Food, entertainment: $1000
??Clothing, household expenses $300
??Credit cards and other loans: $700
??Other expenses: $800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 12.32% Starting monthly payment: $38.37
 
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-2008 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 2 / 2Length of status:0y 6m
Credit score: 720-739 (Apr-2010) Total credit lines: 4 Occupation: Student - College F...
Now delinquent: 0 Revolving credit balance: $328Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: restless-commitment3 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
School
Purpose of loan:
This loan will be used to? help with school

My financial situation:
I am a good candidate for this loan because? i will pay it back when other financial aid comes in
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456458
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.04% Starting borrower rate/APR: 18.04% / 20.25% Starting monthly payment: $217.03
 
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: 27%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 8Length of status:11y 6m
Credit score: 700-719 (Apr-2010) Total credit lines: 30 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $7,465Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: professional-bill7 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
CREDIT CARD HELP
Purpose of loan:
This loan will be used to? consolidate credit cards

My financial situation:
I am a good candidate for this loan because? i pay everything on time just i have no past due bills

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $ 806.00
??Insurance: $ 190.00
??Car expenses: $ 40.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456500
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1995 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 26 / 24Length of status:11y 6m
Credit score: 640-659 (Apr-2010) Total credit lines: 42 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $40,555Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: genuine-fund8 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.
Description
Paying off my credit cards
Purpose of loan:
I?will use this money to?start paying off some credit card debt. Seeing the balance of card with a fixed interest rate and an ending date to pay if is just more sensible.

My financial situation:
I am a good candidate for this loan because I have a good steady income and also have additional income from coaching high school althetics that is not listed. Also plan on closing accounts that are paid off.

Monthly net income: $
2780.00
Monthly expenses: $
??Housing: $ 507
??Insurance: $ 145
??Car expenses: $?500
??Utilities: $ 175
??Phone, cable, internet: $90
??Food, entertainment: $ 300
??Clothing, household expenses $150
??Credit cards and other loans: $ 800
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2002 Debt/Income ratio: 29%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:1y 7m
Credit score: 700-719 (Apr-2010) Total credit lines: 12 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $180Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 8    
Screen name: admirable-treasure4 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
Wedding and school fund
Purpose of loan:
This loan will be used to help me and my fiancee pay for our wedding as well as place our children in daycare.

My financial situation:
I am a good candidate for this loan because I will pay back every cent that is given to me.? I believe in giving people opportunities, giving a helping hand and for anyone who helps me I will not let them down. I am a very reliable person who needs assistance and I promise to satisfy my debt.

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ Fiancee ?
??Insurance: $ Fiancee
??Car expenses: $ Fiancee ????
??Utilities: $ Fiancee
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $40
??Credit cards and other loans: $ 30
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456542
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 17.04% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1994 Debt/Income ratio: 11%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:1y 2m
Credit score: 640-659 (Apr-2010) Total credit lines: 29 Occupation: Computer Programmer
Now delinquent: 2 Revolving credit balance: $27,120Stated income:$100,000+
Amount delinquent: $2,134 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: hope-defender 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
Woo! We're starting a yoga studio!
Purpose of loan:

The loan is really just for the deposit on the studio.? We've got all the rest of the costs covered.

My financial situation:

Full, disclosure, I've got a few weirdnessess in my credit report...? Not late payments, mind you...? but my ex-wife had a habit of opening accounts in my name with non-existent addresses to send the bills to after we got divorced...? Sigh, you can guess how that turned out.? I make more than enough money to pay my bills, and I do.? I haven't missed a payment on the actual bills that I have (i.e. when I know about them!) since college.

Monthly net income: $

Salary is $125k, and I do software contracting on the side when required to boost income, so in total closer to maybe 140k?

Monthly expenses: $
??Housing: $ 1,900
??Insurance: $ company
??Car expenses: $ nil
??Utilities: $ included in rent
??Phone, cable, internet: $ 150
??Food, entertainment: $ 1000?
??Clothing, household expenses $ minimal/none?
??Credit cards and other loans: $ 600
??Other expenses: $ all the rest goes into the business
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456548
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.00% Starting borrower rate/APR: 8.00% / 10.08% Starting monthly payment: $156.68
 
Auction yield range: 4.04% - 7.00% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 4.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1980 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 17 / 14Length of status:3y 1m
Credit score: 740-759 (Apr-2010) Total credit lines: 37 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $19,605Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Breakingfreefromdebt Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off high interest credit card
Purpose of loan:
This loan will be used to pay off a high-interest credit card.?

My financial situation:
I am a good candidate for this loan because I have a great job that is reliable.? I am also very committed to getting out of debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456560
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1988 Debt/Income ratio: 10%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:2y 3m
Credit score: 660-679 (Apr-2010) Total credit lines: 34 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $1,622Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 14    
Screen name: penny-planetarium 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
Paying off CC and home Imp.
Purpose of loan:
This loan will be used to consolidate my credit debt and make improvements to my home.?????

My financial situation:
I am a good candidate for this loan because I am a civil engineer working with a well established firm. I make a fair living and have been working hard to pay off credit incurred during college. I have always paid my debts and will continue to do so. I have been recovering from a low credit score and don't want to do anything to threaten that recovery.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 195
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 130
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 245
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456566
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 14.04% - 34.00% Estimated loss impact: 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: Apr-2004 Debt/Income ratio: 26%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:6y 5m
Credit score: 640-659 (Apr-2010) Total credit lines: 12 Occupation: Military Enlisted
Now delinquent: 3 Revolving credit balance: $145Stated income:$25,000-$49,999
Amount delinquent: $549 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: genius9 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal
Purpose of loan:
This loan will be used to?
Help with unexpected expenses
My financial situation:
I am a good candidate for this loan because?
I am trying to buiuld up my credit and I pay my bills
Monthly net income: $
3837.77
Monthly expenses: $
??Housing: $ 738.00
??Insurance: $ 165.00
??Car expenses: $?100.00
??Utilities: $ 400
??Phone, cable, internet: $ 250
??Food, entertainment: $?600
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456578
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1985 Debt/Income ratio: 7%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 6Length of status:7y 8m
Credit score: 680-699 (Apr-2010) Total credit lines: 38 Occupation: Sales - Commission
Now delinquent: 2 Revolving credit balance: $3,898Stated income:$75,000-$99,999
Amount delinquent: $2,034 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: market-stronghold3 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 401k Loan
Purpose of loan: I
I want to pay off a 401k Loan.?My goal is to?pay back in a year.

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

Monthly net income: $
3400
Monthly expenses: $
??Housing: $ 1,800
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 140
??Phone, cable, internet: $ 100
??Food, entertainment: $150
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 456590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1987 Debt/Income ratio: 15%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:6y 0m
Credit score: 700-719 (Apr-2010) Total credit lines: 29 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $7,321Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: stronghold5 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
Payoff personal & combined debt
Purpose of loan:
This loan will be used to? payoff my personal & combined debt from my father who passed away three years ago.? When he passed, I was a joint holder on a couple of his closed accounts and the banks would not write it them off. I took over responsibilty for them, in lieu of my mother who can't really afford to.? I'd like to consolidate my couple of accounts and these accounts so I just have a single payment.

My financial situation:
I am a good candidate for this loan because?I have a great credit history.? My present?debt to income ratio is very good.??I?have a great job?and have?a consistent income.?This is my first time using Prosper so I am rated as a first timer.

Monthly net income: $ 5646

Monthly expenses: $ 2150
??Housing: $ 1300
??Insurance: $ 70
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 99
??Food, entertainment: $ 200
??Clothing, household expenses $ 10
??Credit cards and other loans: $ 321 (Portion I wish to?payoff with this loan)
??Other expenses: $

Information in the Description is not verified.