Listing Report:Supplement No. 282 dated Jul 09, 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 426550
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 15.75% Starting borrower rate/APR: 16.75% / 18.94% Starting monthly payment: $177.64
 
Auction yield range: 10.93% - 15.75% Estimated loss impact: 10.36%  
Lender servicing fee: 1.00% Estimated return: 5.39%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1996 Debt/Income ratio: 48%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 15 / 13Length of status:5y 5m
Credit score: 720-739 (Jul-2010) Total credit lines: 41 Occupation: Administrative Assi...
Now delinquent: 2 Revolving credit balance: $3,722Stated income:$25,000-$49,999
Amount delinquent: $1,583 Bankcard utilization: 18%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bamagrl32 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 96% ) 720-739 (Latest)
Principal borrowed: $6,000.00< 31 days late: 1 ( 4% )  
680-699 (Feb-2008)
 
Principal balance: $951.65 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Paying off BILLS!
Purpose of loan:
This loan will be used to pay off?credit cards because of the way credit??card companies are rasing rates. I am current on all of my debt.?I?now know that some debt is not good debt.
I know my debt to income rate?looks high because I own a home, but I have also been married for 8years and my husband?pays?most of the bills. I handle the house bills.?

My financial situation:
I am a good candidate for this loan because I am focused on getting out of debt in 3-5years. I realize that gaining net worth is an important thing.

Monthly net income: $ 3780

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $?682
??Utilities: $?100
??Phone, cable, internet: $?120
??Food, entertainment: $ 75
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 110 mobile phone
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 427098
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $111.34
 
Auction yield range: 7.93% - 18.90% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1994 Debt/Income ratio: 17%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 7Length of status:4y 11m
Credit score: 640-659 (Jul-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $7,659Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: mellywellydoodleallday 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: 12 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
680-699 (May-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Paying off medical bills
Purpose of loan:
This loan will be used to pay several medical bills (3 Upper GI's, Allergy Testing, etc)
My financial situation:
I am a good candidate for this loan because I'm hardworking. I currently have 2 part-time jobs and one full-time job.?One of my part-time jobs as?a Independent Consultant for a candle company is?really taking off.????I also teach exercise classes at the local Y. ??

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 700
??Insurance: $50
??Car expenses: $ 300
??Utilities: $?90
??Phone, cable, internet: $ 200
??Food, entertainment: $ 50
??Clothing, household expenses $?200
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465256
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $159.46
 
Auction yield range: 3.93% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1999 Debt/Income ratio: 27%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 15Length of status:2y 5m
Credit score: 760-779 (Jul-2010) Total credit lines: 44 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $18,402Stated 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: successful-peace Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 10 ( 100% ) 760-779 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Jul-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Buying a New Winter Car
Purpose of loan:
We recently purchased a new car and borrowed the money from family to fund it. Now we will pay them back by taking out our own loan

My financial situation:
I am a good candidate for this loan because I own my home and have a long standing job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465488
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1996 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 3Length of status:4y 6m
Credit score: 680-699 (Jul-2010) Total credit lines: 20 Occupation: Other
Now delinquent: 1 Revolving credit balance: $7,631Stated income:$50,000-$74,999
Amount delinquent: $22,296 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: bright-bid0 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
Hello, I am a US Army veteran who served for 20 years and currently working full-time for the US Postal Service. This loan will be used to pay off a high-interest credit card.

My financial situation:
I have a secure job with UPS and also receive a monthly retirement paycheck from the US Army.

Monthly net income: $5,000

Monthly expenses: $2386
??Housing: $1000
??Insurance: $167.59
??Car expenses: $319.05
??Utilities: $80
??Phone, cable, internet: $120
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $400
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465494
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $46.38
 
Auction yield range: 2.93% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
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: Aug-1999 Debt/Income ratio: 33%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 16Length of status:7y 1m
Credit score: 800-819 (Jul-2010) Total credit lines: 30 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $20,870Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: magnificent-payment 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 800-819 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
820-839 (Sep-2009)
 
Principal balance: $12,122.38 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Masters Class Loan
Purpose of loan:
This loan will be used to? fund my wifes next masters class. She is a 3rd grade public school teacher and I need to float some cash to pay for her next class. She gets reimbursed 75% of the cost in September. This loan will be paid off in 1 year or less.

My financial situation: Our combined household income is right around $140,000.00.
I hate to give any money to the credit card companies! This is why I decided to take out a short term low intrest loan through prosper. I have one other Prosper loan that I used to consolidate high interest credit card debt. That loan along with this one will be on auto payment with direct withdraw from my bank account.
If you have any questions feel free to ask.

Thank you for your time reading my listing. Any questions feel free to ask.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465500
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 31.50% Starting borrower rate/APR: 32.50% / 34.92% Starting monthly payment: $504.07
 
Auction yield range: 16.93% - 31.50% Estimated loss impact: 19.85%  
Lender servicing fee: 1.00% Estimated return: 11.65%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: 19%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 4Length of status:8y 0m
Credit score: 640-659 (Jul-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,544Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: octosincity 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: 22 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2010)
560-579 (Aug-2008)
560-579 (Jul-2008)
560-579 (May-2008)
 
Principal balance: $1,005.00 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
Pay Debt & Start Online Businesses
Purpose of loan:
This loan is going to be used to pay off debt and to start a new business venture. I need to clear off my credit card debt before I start my online business ventures. I got up to 83% funded last week - lets get to 100% this week.

My financial situation:
I am a good candidate for this loan because, I checked my credit score, and it is NOT what Prosper says it is, but it is a 704.Experian is what I use. I am a returning member of PROSPER and this is my 2nd loan that I need. I am almost done with the first loan from 2008, but now I need some more money to get things going. I have NEVER missed a payment, and I tend to get decent Christmas bonuses from my job that I can make a bigger payment in January.

Monthly net income: $ 5775.00

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 81
??Car expenses: $ 207
??Utilities: $
??Phone, cable, internet: $ 85
??Food, entertainment: $ 400
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465512
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $169.78
 
Auction yield range: 10.93% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1991 Debt/Income ratio: 11%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 12Length of status:0y 4m
Credit score: 660-679 (Jul-2010) Total credit lines: 30 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $5,964Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 64%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: bold-gain-owner Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Credit Cards
Purpose of loan:
This loan will be used to consolidate my credit cards into one payment.?

My financial situation:
I am a good candidate for this loan because I pay my bills on time. I was recently hired by the federal goverment and have a steady job.

Monthly net income: $ $3910

Monthly expenses: $
??Housing: $ 1685 (but this will go down because I'm?planning on moving to a more affordable apartment)
??Insurance: $?133
??Car expenses: $ 275
??Utilities: $ 40
??Phone, cable, internet: $ 100
??Food, entertainment: $ 800
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465518
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1979 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:21y 2m
Credit score: 680-699 (Jul-2010) Total credit lines: 26Stated income:$25,000-$49,999
Now delinquent: 4 Revolving credit balance: $68,440 
Amount delinquent: $8,238 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 27    
Screen name: diverse-worth1 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
Start business with son
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465548
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $542.83
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1992 Debt/Income ratio: 19%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 7Length of status:2y 1m
Credit score: 720-739 (Jul-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $12,162Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 7    
Screen name: clean-truth9 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Down Debt
Purpose of loan:
This loan will be used?to pay off some revolving?debt??

My financial situation:
I am a good candidate for this loan because I have a good salary and will be more than capable to pay back this loan. This l

Monthly net income: $7000

Monthly expenses: $
??Housing: $ 2200
??Insurance: $ 120
??Car expenses: $ 398
??Utilities: $?150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 800
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465554
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,550.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.64% Starting monthly payment: $70.12
 
Auction yield range: 16.93% - 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: Aug-1993 Debt/Income ratio: 18%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 4Length of status:2y 0m
Credit score: 620-639 (Jun-2010) Total credit lines: 50 Occupation: Social Worker
Now delinquent: 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $309 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 26    
Screen name: gentle-trade Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,600.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2009)
 
Principal balance: $1,308.68 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Relocation
Purpose of loan:
This loan will be used to help my family and I move out of the home we currently reside in.? The home is full of black mold, bugs(roaches)?and is dangerous for us to remain in.? We bought the house from a dishonest man who told us that it was completely remodeled when?in fact he just covered things up.??We are working with an attorney to leagally return the home to him but?need to pay off taxes?and put a deposit down on a new place to?live.? We really want to move ASAP.???

My financial situation:
I am a good candidate for this loan because I am a responsible person.? I have excellant income and will be recieving a raise in July.? I may have made mistakes in the past but I am a good person who has learned from those mistake.? I have another prosper loan and have never missed a payment please help my family.?

Monthly net income: $ 3778 will be $3990 end of this month
Monthly expenses: $?2185
??Housing: $ 550
??Insurance: $ 160
??Car expenses: $?509
??Utilities: $?400
??Phone, cable, internet: $ 100
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 66.00
??Other expenses: $250 student loans
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465566
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1992 Debt/Income ratio: 61%
Basic (1-10): 3 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 24 / 22Length of status:8y 7m
Credit score: 680-699 (Jul-2010) Total credit lines: 72 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $33,255Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: benefit-blanket Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Increase credit score to refinance
Purpose of loan:
This loan will be used to? I would like to pay off some smaller credit cards to have one payment and to increase my credit score so that I can refinance.?
My financial situation:
I am a good candidate for this loan because? I have not had an delinquencies in the past 7 years.? I always pay my credit cards and loans on time every month.? I have a second job as a waitress but it does not show on my credit so my debt to income ratio is high.? I can afford all of my bills every month but would like to refinance to get a lower interest rate.? I had to use credit cards in the past to pay some medical bills over the past 5 years.? I also made some larger purchases for my home.? My fiancee also lives with me and pays half of the bills.? He makes approximately the same monthly income as I do.? His income is not included below.

Monthly net income: $ 3159.00

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ included
??Car expenses: $ paid off
??Utilities: $?80.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 400.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 24.26% Starting monthly payment: $381.90
 
Auction yield range: 16.93% - 21.00% Estimated loss impact: 26.19%  
Lender servicing fee: 1.00% Estimated return: -5.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1988 Debt/Income ratio: 36%
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 15Length of status:1y 7m
Credit score: 700-719 (Jul-2010) Total credit lines: 39 Occupation: Accountant/CPA
Now delinquent: 3 Revolving credit balance: $31,076Stated income:$25,000-$49,999
Amount delinquent: $893 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: trade-voltage4 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
cash needed until divorce is final
Purpose of loan:
This loan will be used refinance some credit card debt. I only have 2 credit cards that are my own debt the other 2 debts are to paid by my husband as per court documents. The revolving Line of Credit on our house for the amount of $15,000 is to be paid by my soon to be ex-husband. Please take that into consideration.

My financial situation:
I am a good candidate for this loan because I am doing my best to satisfy all payments while still staying current on all housing payments, utilities and all other creditors

Monthly net income: $ 2,500.00

Monthly expenses: $?

??Housing: $895
??Car expenses: $ 100
??Utilities: $?150
??Phone, cable, internet: $ 90
??Food, entertainment: $?300
??Clothing, household expenses $
??Credit cards and other loans: $ wanting to refinance to 300 per month
??Other expenses: $ 125
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% Starting borrower rate/APR: 17.93% / 20.14% Starting monthly payment: $541.76
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 35.43%  
Lender servicing fee: 1.00% Estimated return: -18.50%  
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: Aug-1996 Debt/Income ratio: 30%
Basic (1-10): 1 Inquiries last 6m: 8Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 15 / 14Length of status:6y 2m
Credit score: 640-659 (Jul-2010) Total credit lines: 31 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $56,278Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: first-class-generosity9 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards Please Help
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465614
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,100.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $98.87
 
Auction yield range: 3.93% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1993 Debt/Income ratio: 47%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 6Length of status:10y 5m
Credit score: 720-739 (Jul-2010) Total credit lines: 32 Occupation: Other
Now delinquent: 0 Revolving credit balance: $16,873Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: kmf1072 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 33 ( 100% ) 720-739 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
740-759 (Dec-2009)
780-799 (Jul-2007)
 
Principal balance: $4,302.22 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Need closing costs to refi home
Purpose of loan:
This loan will be used to? due to current market conditions, we cannot refinance the house at 8.25% until we have extra money to put down and our?ARM that has begun adjusting annually.? I am scared it will go up in the fall and would like to take advantage of low rates but we need to come up with closing costs out of pocket.?

My financial situation:
I am a good candidate for this loan because? I am current on all of my mortgage payments, credit cards and medical bills.? I have recently offered to help?2 of my siblings financially with divorce.? Money has been a little tight and I really want to lower my mortgage payment and stop using my credit cards.?

Monthly net income: $ 9512

Monthly expenses: $ 5540
Housing: $ 2200
??Insurance: $ 166
??Car expenses: $820
??Utilities: $ 175
??Phone, cable, internet: $ 115
??Food, entertainment: $ 500
??Clothing, household expenses $350
??Credit cards and other loans: $ 843
??Other expenses: $391
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465646
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 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-2005 Debt/Income ratio: 22%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:4y 0m
Credit score: 700-719 (Jun-2010) Total credit lines: 2 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $2,089Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: asset-sage0 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 bills, before they get high
Purpose of loan:
This loan will be used to?
Paying back debts that have accumulated due to bills.
My financial situation:
I am a good candidate for this loan because?
I always pay on time and my score reflects that.
Monthly net income: $
1300
Monthly expenses: $
??Housing: $ 200
??Insurance: $
??Car expenses: $ 100
??Utilities: $
??Phone, cable, internet: $60
??Food, entertainment: $ 40
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $100

I have built a debt due to personal reasons. I want to pay off my bills that have built up before they get out of hand! I can guarantee with 100% that I can pay back the Loan amount with no problems! Thank you in advance!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465650
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 10.20% Starting borrower rate/APR: 11.20% / 13.32% Starting monthly payment: $492.50
 
Auction yield range: 3.93% - 10.20% Estimated loss impact: 2.13%  
Lender servicing fee: 1.00% Estimated return: 8.07%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1990 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:10y 7m
Credit score: 780-799 (Jul-2010) Total credit lines: 42 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $34,379Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: note-competitor Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465664
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% Starting borrower rate/APR: 17.93% / 20.14% Starting monthly payment: $541.76
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 18.93%  
Lender servicing fee: 1.00% Estimated return: -2.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2003 Debt/Income ratio: 25%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:3y 9m
Credit score: 680-699 (Jul-2010) Total credit lines: 9 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $8,223Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: value-artisan 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
Equity Investment into MRK Group
Purpose of loan:
This loan will be used to purchase an equity investment into MRK Group, LTD. Founded in 1991, MRK Group LTD.? has been working with Fortune 500 Corporations and other Businesses, Education and Government Institutions around the country in managing their excess and obsolete technology and optimizing their return on assets. This has been a family run business for 20+ years, and my father has rejected numerous investment offers. The time has come for expansion as the government expands its "GREEN PUSH" toward a more climate friendly country. MRK Group LTD has a business model in which they obtain prior year and obsolete electronics for extremely low margin. These goods are then marked up with the full sales price attributing to gross margin.

My financial situation:
I am a good candidate for this loan because I am a Certified Public Accountant for over 3+ years, and have extremely limited costs. I have a very stable income of approximately $4,000 a month and have never had a delinquency.

Monthly net income: $4,000

Monthly expenses: $
??Housing: ZERO (Family moved to Florida, and I am sole inhabitant of suburban Illinois home)
??Insurance: $50
??Phone, cable, internet: $80
??Credit cards and other loans: $500 (Consolidated into one account)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $180.76
 
Auction yield range: 16.93% - 17.00% Estimated loss impact: 18.94%  
Lender servicing fee: 1.00% Estimated return: -1.94%  
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: Mar-1997 Debt/Income ratio: 162%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:12y 5m
Credit score: 640-659 (Jul-2010) Total credit lines: 9 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $2,018Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: top-admirable-power Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay my bills
Purpose of loan:
This loan will be used to? help pay off credit card bills and summer vacation

My financial situation:
I am a good candidate for this loan because? i'm trustful and good about paying my debts

Monthly net income: $ 3500.00

Monthly expenses: $ 1500-2500
??Housing: $ 400.00
??Insurance: $ 150.00
??Car expenses: $ 300.00
??Utilities: $?70.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465688
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $123.69
 
Auction yield range: 2.93% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
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: May-1990 Debt/Income ratio: 6%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:35y 0m
Credit score: 800-819 (Jul-2010) Total credit lines: 6 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $1,507Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: witty-generosity0 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
new car
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 465694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.28% Starting borrower rate/APR: 9.28% / 11.38% Starting monthly payment: $63.86
 
Auction yield range: 3.93% - 8.28% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1991 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:1y 3m
Credit score: 780-799 (Jul-2010) Total credit lines: 17Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $1,109 
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: appetizing-contract9 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
Business Trip to California
Purpose of loan:
Going on a business trip to California which will give me alot of information so i can run a freelance job if you will that will make me around 1500 a week. This loan can be payed back within one month.

My financial situation:
I am a good candidate for this loan because i am responsible as you can see my credit and i will be responsible with this one as well. I am in dire need of it so i will not let you down.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465706
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 16.93% - 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-2001 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:2y 3m
Credit score: 620-639 (Jul-2010) Total credit lines: 11 Occupation: Truck Driver
Now delinquent: 0 Revolving credit balance: $295Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: nshabani6 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 18 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,200.00< 31 days late: 0 ( 0% )  
680-699 (Jan-2010)
640-659 (May-2008)
 
Principal balance: $0.92 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate loans and credit cards.

My financial situation:
I am a good candidate for this loan because? I have not had a delinquincy in over 5 years. This will be my 3rd prosper loan , 100% on time on the previous 2.

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 465712
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.33% Starting borrower rate/APR: 27.33% / 29.67% Starting monthly payment: $205.01
 
Auction yield range: 10.93% - 26.33% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1991 Debt/Income ratio: 256%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 9Length of status:3y 5m
Credit score: 680-699 (Jul-2010) Total credit lines: 39 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $2,129Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 14    
Screen name: fund-driver1 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Payday Loans
Purpose of loan:
This loan will be used to?
Payoff Pay Day Loans
My financial situation:
I am a good candidate for this loan because?
I have the ability to pay off this loan with direct payment through my checking account and I am trying to rebuild my credot
Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 160.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $?50.00
??Credit cards and other loans: $ 356.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 13.93% - 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: Apr-1998 Debt/Income ratio: 44%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 7Length of status:10y 11m
Credit score: 620-639 (Jul-2010) Total credit lines: 29 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $2,543Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Yevette Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
600-619 (Jun-2008)
 
Principal balance: $388.19 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
car loan
Purpose of loan:
This loan will be used to buy a used car. My car was totaled and I need transportation. Currently, I am using a rental car. I have to have a way to get to work. The totaled car is in the process of being paid off completely by the insurance company.

My financial situation:
I am a good candidate for this loan because? because I have a good history of paying my bills on time. I am in good standing with Prosper

Monthly net income: $ 54000

Monthly expenses: $
??Housing: $?500
??Insurance: $ 154
??Car expenses: $ 563
??Utilities: $ 600
??Phone, cable, internet: $100
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $?600
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465720
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $384.51
 
Auction yield range: 16.93% - 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-2005 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:0y 7m
Credit score: 700-719 (Jul-2010) Total credit lines: 20 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $781Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 39%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: direct-capital8 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
Need a loan to pay my current bills
I need funds to pay my current bills and i do not want to fall behind. I used to work as a para-legal before and had very good financial standing but i wanted to finish university and complete a degree that i had more of an interest in. I therefore got a job in retail and enrolled in school and have proven my ability to pay my bills and maintain a decent credit standing while working and in school.

I am a good candidate for this loan because it is very important to me to have the peace of mind of being able to pay my bills and having decent credit. It would be a disservice to myself and the lender if i did not pay off my loans.

My monthly net income varies between 600 and 2000. Based on the hours received at work and various part time events that i take part in.

My monthly expenses are:
Rent: $880.00
Car Note: $403.33
Car Insurance: $140.00
Utilities: $75.00
Cable & Internet: $140.00
Food & Entertainment: $150.00
Credit cards and other loans: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465724
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 16.93% - 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-1984 Debt/Income ratio: 39%
Basic (1-10): 5 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 9Length of status:9y 0m
Credit score: 660-679 (Jul-2010) Total credit lines: 36 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $19,924Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: funds-harbor Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off the irs
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.30% Starting borrower rate/APR: 10.30% / 10.65% Starting monthly payment: $243.06
 
Auction yield range: 2.93% - 9.30% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.79%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1998 Debt/Income ratio: 11%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:7y 1m
Credit score: 820-839 (Jun-2010) Total credit lines: 33 Occupation: Professor
Now delinquent: 0 Revolving credit balance: $3,824Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Proffesork 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
Kitchen and bathroom update
Purpose of loan:
This loan will be used to?make some much needed improvements to our master bathroom and kitchen floors. We have a wonderful house but these two areas have been negelcted somewhat.

My financial situation:
I am a good candidate for this loan because??We have never defaulted on a loan and?are in good shape with our home.?I am?fulltime tenured at the college. Very low balances on our credit..

Monthly net income: $
12,300
Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 120
??Car expenses: $ 336
??Utilities: $ 150
??Phone, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 21.55% Starting borrower rate/APR: 22.55% / 24.82% Starting monthly payment: $250.09
 
Auction yield range: 7.93% - 21.55% Estimated loss impact: 8.51%  
Lender servicing fee: 1.00% Estimated return: 13.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2003 Debt/Income ratio: 31%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 6Length of status:0y 2m
Credit score: 720-739 (Jul-2010) Total credit lines: 22 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $3,025Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: neutrino3 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Moved to Coast want to buy a Boat
Purpose of loan:
This loan will be used to? Buy a boat from the dealership I work at, I am buying it below wholesale

My financial situation:
I am a good candidate for this loan because?I have been in the?RV Industry for 15 years, prior to that I was in the military from which I? retired from.Even though I have only been employed for two months by this company. ?I?was employed?by this company?for?7 years before leaving them the last time?and was recruited back?by them to be a General Manager.?I am responsible, motivated, have never been?fired and have only left a job for a better position.? ?

Monthly net income: $5700.00???

Monthly expenses: $
??Housing: $ 990
??Insurance: $45
??Car expenses: $ 470
??Utilities: $ 150
??Phone, cable, internet: $ 60
??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 465766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1967 Debt/Income ratio: 13%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 17 / 14Length of status:23y 6m
Credit score: 680-699 (Jul-2010) Total credit lines: 74 Occupation: Judge
Now delinquent: 1 Revolving credit balance: $21,596Stated income:$100,000+
Amount delinquent: $483 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 13    
Screen name: liberty-trident Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards

My financial situation:
I am a good candidate for this loan because? I receive 36000+ from Soc/sec

Monthly net income: $ 15000

Monthly expenses: $
??Housing: $ 2465 ????
??Insurance: $ 318
??Car expenses: $ 120
??Utilities: $ 500
??Phone, cable, internet: $ 180
??Food, entertainment: $ 75
??Clothing, household expenses $4600
??Credit cards and other loans: $ 1200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.85% Starting borrower rate/APR: 13.85% / 16.01% Starting monthly payment: $204.63
 
Auction yield range: 5.93% - 12.85% Estimated loss impact: 5.21%  
Lender servicing fee: 1.00% Estimated return: 7.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2002 Debt/Income ratio: 21%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:4y 5m
Credit score: 740-759 (Jun-2010) Total credit lines: 16 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $6,567Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 55%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: louisiana208 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off High Interest CC!
I currently have a high interest credit card through Discover Card...I have the high balance now due to paying for our
honeymoon. I'm sick of paying the payments on it, to barely see the balance going down. I am new to this, so please
help me out. Thanks alot!! This is my second attempt with a higher interest rate on the loan...hopefully I will get it this time.
Thanks to those who placed a bid the first time, help me out more this time!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465774
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $61.85
 
Auction yield range: 2.93% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
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: Nov-1992 Debt/Income ratio: 11%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:5y 4m
Credit score: 800-819 (Jun-2010) Total credit lines: 9 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $967Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: focused-durability8 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
going back to school
Purpose of loan:
This loan will be used to?
going back to cosmetology school.
My financial situation:
I am a good candidate for this loan because? I don't have any major debs. I want to go back to school to get a better job, hence better pay.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.33% Starting borrower rate/APR: 27.33% / 29.67% Starting monthly payment: $205.01
 
Auction yield range: 10.93% - 26.33% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2000 Debt/Income ratio: 45%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:7y 5m
Credit score: 720-739 (Jul-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,067Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: PiperLynne 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: 25 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
660-679 (Apr-2008)
 
Principal balance: $1,867.58 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate my $3000 credit card debt plus my first prosper loan.?

My financial situation:
I am a good candidate for this loan because I have a full time job and I have had a wonderful experience with the last loan I received here.? ($5500 down to $1881 - YAY!)? Prosper has helped me a ton and I hope it can help me again.? I made the mistake of using my credit cards to pay for more schooling last year and I'm having a hard time paying it off.? I think after this, I'll be cutting them up for good.

Monthly net income: $ 1300.00 (after those dreaded taxes)

Monthly expenses: $ 1006.00
??Housing: $ 0.00 - I live with my parents.
??Insurance: $ 105.00
??Car expenses: $ 276.00 (monthly payment)
??Utilities: $ 125.00
??Phone, cable, internet: $ 90.00 (cell)
??Credit cards and other loans: $?150-200.
? Food & entertainment: $ 150.00
? Doctors & Medicines: $ 60.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 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: 48%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 9 / 7Length of status:1y 0m
Credit score: 680-699 (Jul-2010) Total credit lines: 29 Occupation: Doctor
Now delinquent: 0 Revolving credit balance: $37,280Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bid-injector8 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
Treading water until November
Purpose of loan:
This loan will be used to supplement my current income as a medical resident/fellow.? I have been in medical school/training since 2001.

My financial situation:
I am a good candidate for this loan because I have demonstrated that I can meet monthly obligations, as evidenced by the zero late payments and zero derogatory notations on my credit history.? Additionally, I will be starting a job in November that pays 180,000/year (I have a signed contract).? Meeting the repayment obligations of this loan will not be a problem.?

Monthly net income: $3500

Monthly expenses: $
??Housing: $750
??Insurance: $65
??Car expenses: $0
??Utilities: $70
??Phone, cable, internet: $140
??Food, entertainment: $250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1700
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 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-1975 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: 9 / 9Length of status:13y 10m
Credit score: 660-679 (Jul-2010) Total credit lines: 14 Occupation: Executive
Now delinquent: 2 Revolving credit balance: $418Stated income:$50,000-$74,999
Amount delinquent: $640 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: brightest-versatile-worth 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
Temporary Cash flow
Purpose of loan:
This loan will be used to offset a client's temporary inability to pay which will be resolved in 6 weeks.

My financial situation:
I am a good candidate for this loan because I have been self-employed for over 13 years and take my credit and debts seriously. This is a long term client (since 1996) whose income fluctuates from time to time. This is a temporary situation.

Monthly net income: $ 4,500

Monthly expenses: $ 3,094
??Housing: $ 1,545
??Insurance: $ 200
??Car expenses: $ 100
??Utilities: $ 75
??Phone, cable, internet: $ 260
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $ 264 student loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $408.80
 
Auction yield range: 16.93% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1997 Debt/Income ratio: 123%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 7Length of status:0y 6m
Credit score: 680-699 (Jul-2010) Total credit lines: 42 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $10,705Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dollar-toro Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards.
Purpose of loan:
This loan will be used to pay off our credit cards.

My financial situation:
I am a good candidate for this loan because I recently graduated from graduate school with a Masters in Counseling. I was hired by the school district where I completed my internship. My husband has worked in the same job for over 5 years.

Monthly net income: $ 5,200

Monthly expenses: $
??Housing: $ 2100
??Insurance: $ 108
??Car expenses: $451
??Utilities: $ 175
??Phone, cable, internet: $330
??Food, entertainment: $ 500
??Clothing, household expenses $100
??Credit cards and other loans: $ 750
??Other expenses: $ 125
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465810
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $542.83
 
Auction yield range: 16.93% - 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-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 17 / 14Length of status:7y 6m
Credit score: 660-679 (Jul-2010) Total credit lines: 38 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $145,411Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: transparency-star 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
Kitchen/Bathroom
Purpose of loan:
This loan will be used to? Renovate bathroom and purchase new appliances for kitchen

My financial situation:
I am a good candidate for this loan because? I have the ability to repay loan in a timely manner

Monthly net income: $ 14,000

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 100
??Car expenses: $ 700
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% Starting borrower rate/APR: 17.93% / 20.14% Starting monthly payment: $252.82
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 25.93%  
Lender servicing fee: 1.00% Estimated return: -9.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2002 Debt/Income ratio: 48%
Basic (1-10): 2 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 11 / 10Length of status:0y 4m
Credit score: 700-719 (Jul-2010) Total credit lines: 23 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $3,883Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: goal-velocity2 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 sears cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 313.96
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 9.07% Starting monthly payment: $308.77
 
Auction yield range: 5.93% - 6.00% Estimated loss impact: 5.08%  
Lender servicing fee: 1.00% Estimated return: 0.92%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1995 Debt/Income ratio: 28%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 12Length of status:12y 9m
Credit score: 740-759 (Jul-2010) Total credit lines: 32 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $51,478Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: kangaroo82 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation for honest indiv
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2001 Debt/Income ratio: 58%
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 10Length of status:6y 0m
Credit score: 660-679 (Jul-2010) Total credit lines: 24 Occupation: Other
Now delinquent: 1 Revolving credit balance: $7,778Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: elevated-peace6 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off 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 work hard to pay my bills,?I would just like something to help me get my bills under control.?

Monthly net income: $3500

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 150
??Car expenses: $?500
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.93% Starting borrower rate/APR: 11.93% / 14.06% Starting monthly payment: $232.27
 
Auction yield range: 10.93% - 10.93% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1991 Debt/Income ratio: 51%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 14Length of status:5y 3m
Credit score: 640-659 (Jul-2010) Total credit lines: 52 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $18,179Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: greenback-champ8 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
bar exam loan
Purpose of loan:
This loan will be used to? pay for the July 2010 kansas bar exam.? I am registered and ready to go.

My financial situation:
I am a good candidate for this loan because? I have a guaranteed position with a law firm when I pass.? My husband is an attorney also.

Monthly net income: $ 4500/month

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 250
??Car expenses: $ 300
??Utilities: $ 75
??Phone, cable, internet: $ 100
??Food, entertainment: $ 75
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $ n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.99% Starting borrower rate/APR: 6.99% / 9.06% Starting monthly payment: $154.36
 
Auction yield range: 5.93% - 5.99% Estimated loss impact: 5.08%  
Lender servicing fee: 1.00% Estimated return: 0.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1995 Debt/Income ratio: 13%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:9y 8m
Credit score: 740-759 (Jul-2010) Total credit lines: 44 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $17,797Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: money-showcase0 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 a credit card
Purpose of loan:
This loan will be used?pay off a higher interest credit card.?

My financial situation:
I am a good candidate for this loan because I?pay all of my bills on time and?typically pay more than what is due.?

Monthly net income: $ 2925.26

Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 76.00
??Car expenses: $ 140.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $158.33
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1989 Debt/Income ratio: 18%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 6Length of status:14y 9m
Credit score: 660-679 (Jul-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 1 Revolving credit balance: $792Stated income:$25,000-$49,999
Amount delinquent: $4,184 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 9    
Screen name: newest-dedicated-economy Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
car help
Purpose of loan:
This loan will be used to? help my son obtain reliable transportation.? his truck repairs would amount to more than the truck is worth.? he is unable to obtain funding on his own (he is 17 years old) and my current debt situation is not the best.? Things are getting better...just need some help to get him reliable transportation so he can continue to work his summer job
My financial situation:
I am a good candidate for this loan because? I am working hard to clear up my current financial situation.? I have made great progress over the last few months and am close to having several accounts paid off.? so proud of myself!

Monthly net income: $ 3600.00 gross

Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $
??Car expenses: $
??Utilities: $ 250.00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 16.93% - 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-1996 Debt/Income ratio: 44%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:6y 6m
Credit score: 740-759 (Jul-2010) Total credit lines: 17 Occupation: Construction
Now delinquent: 1 Revolving credit balance: $17,026Stated income:$50,000-$74,999
Amount delinquent: $1,317 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: treasure-warmth5 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
no more credit cards
Purpose of loan:
To consolidate all personal debt
My financial situation:
I always make my payment on time and pay down the debt often. The banking industry is going crazy. They Lower credit without reason witch in turn makes your credit looked maxed out. I am tired of the banks taking advantage of the people that actually pay bills on time. So now I want to considladate and pay off ASAP.

Monthly net income: $
$4,500
Monthly expenses: $
??Housing: $ 1500
??Insurance: $?0
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 50
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465868
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 10.59% Starting monthly payment: $94.70
 
Auction yield range: 3.93% - 7.50% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.39%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 9 / 7Length of status:1y 2m
Credit score: 780-799 (Jul-2010) Total credit lines: 37 Occupation: Investor
Now delinquent: 0 Revolving credit balance: $3,310Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ciccio70 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
Credit Card Payoff
Purpose of loan:
This loan will be used to payoff two credit cards.

My financial situation:
The balance on the credit cards is not very high and I can handle their payments without a Prosper loan. But, I much rather give my money to fellow prosper investor instead of the banksters. I am a prosper investor myself and I believe in people lending to people. I am a real estate investor and I am also starting a new business selling water purification and other products. If curious, you can look at the web site at www.discovermms.com. My credit history is rock solid because I am a person that honors his commitments and I am very financially responsible.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465870
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,250.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.30% Starting borrower rate/APR: 8.30% / 8.64% Starting monthly payment: $228.19
 
Auction yield range: 2.93% - 7.30% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1988 Debt/Income ratio: 24%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:1y 0m
Credit score: 800-819 (Jul-2010) Total credit lines: 37 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $13,056Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: the-charming-integrity Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 800-819 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
760-779 (Dec-2009)
 
Principal balance: $2,114.28 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Paying off My Last Credit Card!
Purpose of loan:
This loan will be used to pay off my last Credit Card, Almost Credit Card Free!

My financial situation:
I am an excellent candidate for this loan because I have been always on time with any loan/Credit Card Payments.? If you notice my Credit score has improved considerably since my last loan through Prosper 6 months ago and I have always made on time payments.? I am working on getting this loan and I will be out of credit card debt.

I am getting married in August and this will help in getting my Credit Cards out of the way and make for a simple monthly payment.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $127.57
 
Auction yield range: 3.93% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 3 / 2Length of status:1y 10m
Credit score: 760-779 (Jul-2010) Total credit lines: 10 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,625Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 11%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: huckleberry5 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Hi! I am seeking a loan to consolidate my credit cards. Thanks for your help!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $135.71
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1989 Debt/Income ratio: 10%
Basic (1-10): 2 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 7Length of status:2y 1m
Credit score: 700-719 (Jun-2010) Total credit lines: 20 Occupation: Sales - Commission
Now delinquent: 2 Revolving credit balance: $5,143Stated income:$50,000-$74,999
Amount delinquent: $703 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: worth-financier 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
Payoff remodel job
Purpose of loan:
This loan will be used to? payoff the credit cards I used for some?remodel on my new home.?PLEASE consider this, as I HATE paying the credit card companies! They don't deserve it.?? :(

My financial situation:
I am a good candidate for this loan because? My credit is very good (700 range).?The only?derog on my credit report is an old collection of $703 that I have disputed for over 6 years now. I refuse to pay it as it is incorrect! I am stubborn.

I was told by Prosper that the only reason I am HR rating is due to too many inquiries in last?few months. I did just get a?new mortgage recently, and also just purchased a newer car (for better gas mileage!). ?My credit was pulled a few times when shopping both of those. Once those inquiries wear off, my rating will indeed improve.

I would rather pay YOU than the?credit card companies! I take pride in paying my bills on time, always!!

Please consider me for this loan. I have a good amount of money leftover every?month after paying bills, so payment will not be a problem.
Not sure if it's allowed, but I am willing to have the person?who carries this loan to be on my house title. I have plenty of equity in the house.
Thank you.? :)


Monthly net income: $ 4300 after taxes

Monthly expenses: $
??Housing: $ 1787?(Note: I?collect $900 rent for my?basement apartment)
??Insurance: $?100
?Car expenses: $305?
??Utilities: $ 50
??Phone, cable, internet: $?100
??Food, entertainment: $?200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 125
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 18.18% Starting monthly payment: $130.08
 
Auction yield range: 10.93% - 15.00% Estimated loss impact: 10.34%  
Lender servicing fee: 1.00% Estimated return: 4.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2002 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 2Length of status:5y 4m
Credit score: 740-759 (Jun-2010) Total credit lines: 2 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $3,000Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: jholiday 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 off credit card debt!!
Purpose of loan:
This loan will be used to?
Pay off high interest credit card (20%+!)
My financial situation:
I am a good candidate for this loan because?I pay all my bills on time.
Feel free to ask me any questions!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 464113
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $415.98
 
Auction yield range: 10.93% - 14.00% Estimated loss impact: 10.31%  
Lender servicing fee: 1.00% Estimated return: 3.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1995 Debt/Income ratio: 28%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 14 / 13Length of status:2y 0m
Credit score: 660-679 (Jun-2010) Total credit lines: 46 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $75,835Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: wolfkin Borrower's state: Ohio Borrower's group: Reality of Wealth
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 60 ( 98% ) 660-679 (Latest)
Principal borrowed: $19,000.00< 31 days late: 1 ( 2% )  
680-699 (Mar-2008)
720-739 (Aug-2007)
 
Principal balance: $4,499.67 31+ days late: 0 ( 0% )
Total payments billed: 61  
Description
Invest in me - Lets make a win-win
This is my 3rd trip to the Prosper coffers, so I am leaning a bit on my track record.

This loan is for 2 purposes --

#1 - The transmission in my daughter's car went out suddenly and we will need to dig up a replacement so she can get around at school.? She is currently borrowing my car ... I'd like it back.

#2 - I have some credit card debt I would like to transfer to a lower rate -- this one.

So, you can invest in me and earn 14% for the next 36 months and I'll put the funds to good use.

My current employment is very solid and the company is doing well.

FYI - Of the "credit lines" listed, only 6 are true credit lines.? The others include car loan, house loan and the prosper loans.

I have paid off 1 loan here and the other is scheduled for payoff in? 03/2011.? Did you invest in me?? How am I doing?? Want another 36 months?

Help me keep the princess happy....
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 464655
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.28% Starting borrower rate/APR: 9.28% / 11.38% Starting monthly payment: $223.51
 
Auction yield range: 3.93% - 8.28% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1973 Debt/Income ratio: 45%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:5y 4m
Credit score: 740-759 (Jun-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 0 Revolving credit balance: $61,653Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: glowing-dough31 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
paint22
Purpose of loan:
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because I pay my bills on time.??

Monthly net income: $3,100
Monthly expenses: $
??Housing: $ 640.00 - this amount is for a rental property that I own.? I live in an apartment and receive a rent credit for performing maintenance?duties at the complex.
??Insurance: $ 80.00
??Car expenses:?$25 - minimal because I?am provided with a company car and the company pays for the maintence.
??Utilities: $ 50.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $150.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 1,300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 23.68% Starting monthly payment: $37.11
 
Auction yield range: 7.93% - 18.90% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1994 Debt/Income ratio: 26%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 19 / 19Length of status:10y 6m
Credit score: 660-679 (Jul-2010) Total credit lines: 48 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $31,617Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Macy75 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $14,100.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Loan for auto repair
Purpose of loan:
Loan will be used to repair the family Suburban. Just had another child and unfortunately (even with a good income and good insurance) I still have to pay a bit out of pocket for the birth, leaving me short on car repair money for the next couple of months.

My financial situation:
I am a good candidate for this loan because of the following reasons:
1. I have a proven track record with Prosper and have already paid down another loan extremely larger then this one with all payments on time (over $14k).
2. I have worked for my employer for over 10 years and have a proven income and good salary with great on-call pay benefits.
3. I plan on paying this back in an accelerated fashion since the amount is so low.

Monthly net income: $ 6,475 (this is average. on-call pay is often more each month)

Monthly expenses: $
??Housing: $ 1,516
??Insurance: $ 180
??Car expenses: $ 445
??Utilities: $ 200
??Phone, cable, internet: $ 100 (internet and cell phones are covered by my company)
??Food, entertainment: $ 600
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465467
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 16.93% Starting borrower rate/APR: 18.93% / 21.15% Starting monthly payment: $915.52
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 18.93%  
Lender servicing fee: 1.00% Estimated return: -2.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1980 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 15 / 14Length of status:25y 6m
Credit score: 700-719 (Jul-2010) Total credit lines: 36 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $138,216Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: unrivaled-wealth2 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
Working capital for small business
Purpose of loan:
This loan will be used to?be working capital for a 25 year old small construction business

My financial situation: Struggling
I am a good candidate for this loan because?A good standing in the community, and have always paid our bills.

Monthly net income: $ Had a loss in 2009, but have restructured and are entering a different market

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 465479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2005 Debt/Income ratio: 17%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:0y 9m
Credit score: 640-659 (Jun-2010) Total credit lines: 5 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $2,574Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 81%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: subtle-peace 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
Having a baby
My wife is due in September with our first child, a girl. We are trying to get ourselves in better financial shape before she arrives so that my wife can stay home with the baby. This loan would be used to do just that. We would pay off all our credit cards, which total apx. $5000 and a personal loan that totals apx. $5000. The remaining balance would be put towards some necessary baby items. We are responsible people who always pay our bills on time. This loan would simply allow us to consolidate and have one monthly payment at a lower interest rate. Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 9.72% Starting monthly payment: $351.75
 
Auction yield range: 2.93% - 8.38% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1965 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 13 / 13Length of status:11y 7m
Credit score: 820-839 (Jul-2010) Total credit lines: 20 Occupation: Social Worker
Now delinquent: 0 Revolving credit balance: $8,195Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: courageous-credit8 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
Removing the Elephant from my Back
Purpose of loan:

This loan will be used to? pay down my credit cards, which have been used primarily to provide clothes, household items and other essentials for our grandchildren while their dad was out of work.? He has just found a job, which will now make my help no longer necessary.

My financial situation:
I am a good candidate for this loan because?I have a successful private practice in psychotherapy in Naples, an affluent area.? I share office space with a psychiatrist who refers patients to me, as do a local gynecologist and also a member of the clergy.? My patients get better!? My referral base is so good this year that I can afford to remove expensive Yellow Pages advertising from my overhead.? I am well respected in my community for my work and for my service as President to the Neapolitan chapter of the American Business Woman's Association.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465503
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.39% Starting monthly payment: $55.67
 
Auction yield range: 7.93% - 18.90% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2006 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:1y 1m
Credit score: 640-659 (Jul-2010) Total credit lines: 16 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $1,176Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: orbital-dedication7 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
Personal Expenses
Purpose of loan:
This loan will be used to pay for personal expenses.

My financial situation:
I am a good candidate for this loan because I am responsible. I always pay my bills 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 465515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.33% Starting borrower rate/APR: 27.33% / 29.67% Starting monthly payment: $307.52
 
Auction yield range: 10.93% - 26.33% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1985 Debt/Income ratio: 37%
Basic (1-10): 7 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 16Length of status:2y 0m
Credit score: 720-739 (Jul-2010) Total credit lines: 47 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $62,397Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: social-palace8 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
Debit Consolidation and Other
Purpose of loan:
This loan will be used to? pay of existing bills and consolidate others

My financial situation:
I am a good candidate for this loan because?I have always paid my bills, never filed for Bankruptcy, always been dependable, always held a good job. and trying to get things turned around?

Monthly net income: $ 6300.00

Monthly expenses: $
??Housing: $ 625????
??Insurance: $ included in house payment
??Car expenses: $ 450
??Utilities: $ 150
??Phone, cable, internet: $ 60.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?950.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465527
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $557.45
 
Auction yield range: 10.93% - 19.00% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2000 Debt/Income ratio: 30%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:7y 5m
Credit score: 740-759 (Jul-2010) Total credit lines: 12 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $21,298Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: market-surfer Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
I have a couple of high interest credit cards I would like to consolidate and pay off.

My financial situation:
I am a good candidate for this loan because I have a stable job, a homeowner and pay my bills regularly.

Monthly net income: $ 4000 after taxes

Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 100
??Car expenses: $ 630
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600 (which I would like to replace with one loan payment)
??Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465533
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-1996 Debt/Income ratio: 24%
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 5 / 6Length of status:25y 7m
Credit score: 660-679 (Jun-2010) Total credit lines: 22 Occupation: Engineer - Electric...
Now delinquent: 1 Revolving credit balance: $22,022Stated income:$50,000-$74,999
Amount delinquent: $277 Bankcard utilization: 106%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 14    
Screen name: leverage-cannon4 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
Debt consolidation
Purpose of loan:
My daughter is having her spine fused because of? a birth defect. This loan will pay off all my personal debt except for my house and?I will be there for her during her recovery.

My financial situation:
I am a good candidate for this loan because I have a steady work history with the same compny for the last 25 yaers

Monthly net income: $3300.00

Monthly expenses:
??Housing: $ 2996
??Insurance: $ 135
??Car expenses: $ 401
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $?100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,750.00 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: $214.87
 
Auction yield range: 16.93% - 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-1991 Debt/Income ratio: 31%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:7y 8m
Credit score: 720-739 (Jun-2010) Total credit lines: 37 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $16,860Stated income:$100,000+
Amount delinquent: $5,902 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: happyto91 Borrower's state: NorthCarolina Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 720-739 (Latest)
Principal borrowed: $16,000.00< 31 days late: 0 ( 0% )  
660-679 (May-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Please Help with Medical Bills
Purpose of loan:
To begin, we appreciate the fact that if you are reading this request, you are taking the time to consider helping us work through our financial plan to financial security.??

This?year we will celebrate?20 years of marriage.? We have two daughters and own our home. We are actively involved in our local Church.?

I joined my current employer, a large multi-national corporation, 8-1/2 years ago through a company acquisition. Prior, I worked for another large multi-national corporation for 15 years. Our household DTI is lower than shown since our total household income is over $150,000/year.

This loan will be used to consolidate and pay off medical bills incurred over the last eight months - my youngest daughter incurred two severe concussions last fall and the resulting?issues have required numerous MRI's, CT Scans and visits to medical specialists.Consolidating these bills will result in a monthly savings of over $280, which will be used to pay off debt.

I am a good candidate for this loan because I completely paid off my last Prosper loan a month early (April of this year), have addressed?my obligations (medical expenses got us behind on a payment and it has been addressed)?and have a solid budget to get back on track. ?My wife is also employed full-time and her salary ($3600 net/month)?contributes to household expenses so our total household monthly net income is approx $10,000.

In addition to the $10,000 net income, I will begin receiving an after tax raise of $100/month starting July 15 and I have a guaranteed $2250 in Restricted Stock Units open to me every starting in November for the next four years.

I pay Prosper through automatic withdrawal.

With the help of the Prosper community, we can move into a better situation which allows us to improve credit and free up more resources for future investments (incl the Prosper community).

Monthly net income: $ 10,000

Monthly expenses: $ 8620
Mortgage??????$ 2675
Car Pay'ts????$???725?
Car Ins???????? $?? 420 (will go down by $100 this November - daughter will have license for 1 year)
Utilities????????$?? 650
Phone / TV???$?? 200
Cable/Cell????$???150
Groceries?????$?1200
Gas?????????????$?? 800 (my wife gets $100-$200/month mileage reimbursement)
Visa/Amex?? $ 1300
Medical????????$?? 500? (to be paid be Prosper loan) ?

Cash flow?before Prosper Loan????$ 1380

PAID by this Loan
?????????Prosper Loan Pay't?? ???? ???? ???? ????($ 215)
???? ????Medical Pay't?savings???? ???? ???? ???? $?500
? Increased Cash Flow due to Loan???? $ 285
Cash Flow during Loan? ?$1380 + $285? = $1665
Cash Flow after loan- $1731 +?215 = $1880
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465557
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,750.00 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: $214.87
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1987 Debt/Income ratio: 3%
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:10y 6m
Credit score: 660-679 (Jun-2010) Total credit lines: 19 Occupation: Professional
Now delinquent: 3 Revolving credit balance: $515Stated income:$75,000-$99,999
Amount delinquent: $3,240 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: deal-zoo6 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a state tax debt
Purpose of loan:
This loan will be used to?pay off a state tax debt that I have negotiated down over months and months.?
?

My financial situation:
I am a good candidate for this loan because my credit score is pretty good I have low debt ratio and usually pay for most of my belongings with cash.? I also have been at the same job for nine years. I am working on building my credit back up and this would really give me a boost especially since I have not been delinquent on any debt for over 5 years.?In the middle of building back up my credit report also as some old collection companies (for tickets) haunt me as well as the tax debt.? ?I look forward to your?help. Thank you for looking at my listing and helping me out. Any questions please ask me.?

Monthly net income: $ 7,7000

Monthly expenses: $
??Housing: $ 2,885
??Insurance: $ 325
??Car expenses: $ 200 (fully paid for)
??Utilities: $ 265
??Phone, cable, internet: $ 140
??Food, entertainment: $ 550
??Clothing, household expenses $ 600
??Credit cards and other loans: $ 225
??Other expenses: $ 550
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465563
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $497.60
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1995 Debt/Income ratio: 34%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 13Length of status:10y 1m
Credit score: 660-679 (Jul-2010) Total credit lines: 45 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,453Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: burrito727 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 off credit card and tution fees
Purpose of loan:
This loan will be used to? pay off credit cards used for tuition and fees for? college, I do not qualify for financial aid.? I have a year left to finish my degree, I currently a paramedic and work full time plus college full time.? I will have one student loan for the remaining year of college that will not have to paid until 6 months after I graduate.
My financial situation:
I am a good candidate for this loan because?
I have a full? job and working towards a degree in social work , I have worked hard to regain credit and pay my bills on time. I will not jeopardize keeping my credit score in good standing.
Monthly net income: ?$2600.00
Monthly expenses: $
??Housing: $?644.00 ( husband pays this expense not?me)
??Insurance: $?100.00
??Car expenses: $ 344.00
??Utilities: $ 130.00
??Phone, cable, internet: $ 145.00
??Food, entertainment: $ 50.00 ?not much spent on this since work and school take most of my time.
??Clothing, household expenses $ $150.00
??Credit cards and other loans: $ 450.00
??Other expenses: $ Student loan $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465569
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 16.93% Starting borrower rate/APR: 17.93% / 20.14% Starting monthly payment: $361.17
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 18.93%  
Lender servicing fee: 1.00% Estimated return: -2.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2005 Debt/Income ratio: 50%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 9Length of status:0y 1m
Credit score: 700-719 (Jul-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $10,625Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: determined-p2p8 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
Credit Card Pay Off Loan
Purpose of loan:
This loan will be used to pay off my credit cards to finally get out of debt.

My financial situation: is very well, I just can't deal with the very high interest rates on the credit cards.
I am a good candidate for this loan because I have a steady job that ensures I am able to make all my payments on time. I am in great credit standing, and just need a little help.

Monthly net income: $ 1620

Monthly expenses: $ 1216
??Housing: $0
??Insurance: $255
??Car expenses: $356
??Utilities: $100
??Phone, cable, internet: $0
??Food, entertainment: $200
??Clothing, household expenses $0
??Credit cards and other loans: $250 (this will hopefully be a soon to be loan payment + $ to pay it off quicker)
??Other expenses: $55
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465645
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 21.88% Starting borrower rate/APR: 22.88% / 25.16% Starting monthly payment: $772.94
 
Auction yield range: 7.93% - 21.88% Estimated loss impact: 7.52%  
Lender servicing fee: 1.00% Estimated return: 14.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 25%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 3 / 3Length of status:5y 0m
Credit score: 760-779 (Jul-2010) Total credit lines: 9 Occupation: Religious
Now delinquent: 0 Revolving credit balance: $4,638Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: cerebral-fairness1 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
Putting a new entryway and deck.
Purpose of loan:?This loan will be used to ?put a new entryway and deck onto the house we live in. It will give us more room for the students that we work with when they come over to the house.

My financial situation:
I am a good candidate for this loan because I've budgeted for it and I am fiscally responsible.

Monthly net income: $4,000.00????

Monthly expenses: $
??Housing: $100
??Insurance: $ 260
??Car expenses: $0
??Utilities: 50$
??Phone, cable, internet: $10
??Food, entertainment: $ 300
??Clothing, household expenses $75
??Credit cards and other loans: $100?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465647
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.99% Starting borrower rate/APR: 19.99% / 22.23% Starting monthly payment: $111.48
 
Auction yield range: 16.93% - 18.99% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.07%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1984 Debt/Income ratio: 44%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 13Length of status:5y 6m
Credit score: 680-699 (Jul-2010) Total credit lines: 24 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $13,404Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: peaceful-liberty3 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate bills
Purpose of loan:
This loan will be used to? Pay down credit cards...consolidate.
My financial situation:
I am a good candidate for this loan because??I am determined to pay off all my debt and have never missed a payment to any of my creditors.? I've only had 2?LATE payments in the past 7 years.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $?600
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465655
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,200.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $165.84
 
Auction yield range: 3.93% - 8.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1994 Debt/Income ratio: 35%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 4Length of status:3y 3m
Credit score: 700-719 (Jul-2010) Total credit lines: 44 Occupation: Professor
Now delinquent: 1 Revolving credit balance: $3,293Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 54    
Screen name: Fuki Borrower's state: Illinois Borrower's group: P2P Financial
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
620-639 (Nov-2006)
600-619 (Nov-2006)
600-619 (Oct-2006)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Emergency Medical Bill
This is my second loan request from Prosper. I paid my first loan back in time without missing any payment. I do appreciate the financial assistance I received from Prosper members when I asked for my first loan. I have an emergency medical bill and I am coming back to Prosper members to assist me with this loan. I will be able to pay back this loan in time with a possibility to pay it back in less than 3 years. I am still working for the same employer I worked for during my first loan.

My credit history shows I have 1 delinquent account. It is from one of my credit cards which I have already paid with my previous Prosper loan. I thought that all my accounts were updated when I paid off my debt. I have contacted the Credit Bureaus and my credit history will be updated to get rid of this delinquency. The 54 previous delinquencies were generated by the same account but like I say the balance on this account has been paid.

My financial situation is as follows:

Monthly income: $4000
Rent: $1000/month
Utilities: $400/month
Gas: $100/month

The costs in the house are shared with my husband and the cash flow will leave more than enough for me to pay off this loan.

Thanks for looking at my loan request!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465661
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.28% Starting borrower rate/APR: 9.28% / 11.62% Starting monthly payment: $47.90
 
Auction yield range: 3.93% - 8.28% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.16%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1992 Debt/Income ratio: 22%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 3Length of status:5y 1m
Credit score: 700-719 (Jun-2010) Total credit lines: 24 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $336Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 4 Homeownership: Yes  
Delinquencies in last 7y: 19    
Screen name: friendly-silver1 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
home improvement
Purpose of loan:
This loan will be used to?
remodel kitchen
My financial situation:
My wife had brain surgery in 2006.? I've been paying all the bills with help from family,? My family have been helping me for the past four years,? I promised my wife before the surgery that we will get the kitchen remodled.? Things has gotten better.? I need this loan so i can do this for her.
Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 70
??Car expenses: $ 389
??Utilities: $ 185
??Phone, cable, internet: $ 0 (work for cable company)
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465673
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 16.93% Starting borrower rate/APR: 17.93% / 20.14% Starting monthly payment: $722.35
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 35.43%  
Lender servicing fee: 1.00% Estimated return: -18.50%  
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: Jan-2004 Debt/Income ratio: 52%
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 10 / 8Length of status:4y 7m
Credit score: 620-639 (Jul-2010) Total credit lines: 24 Occupation: Truck Driver
Now delinquent: 1 Revolving credit balance: $6,091Stated income:$25,000-$49,999
Amount delinquent: $755 Bankcard utilization: 94%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 5    
Screen name: leonvictorm 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 ( 86% ) 620-639 (Latest)
Principal borrowed: $2,600.00< 31 days late: 4 ( 14% )  
520-539 (Feb-2008)
520-539 (Jan-2008)
600-619 (Nov-2007)
620-639 (Jun-2007)
 
Principal balance: $822.21 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
2nd Loan /Debt Consold & Business
Purpose of loan:
This loan will be used to? pay off all debt at a lower rate and invest in truck driving business

My financial situation:
I am a good candidate for this loan because? I want to improve my credit and will not default on loan

Monthly net income: $ 3800

Monthly expenses: $
??Housing: $?1000
??Insurance: $ 400
??Car expenses: $ 400
??Utilities: $ 150
??Phone, cable, internet: $?200
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ ($850 Preloan)?$722 post loan
??Other expenses: $?400 Baby on the way :)))
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1998 Debt/Income ratio: 42%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 5Length of status:4y 2m
Credit score: 680-699 (Jul-2010) Total credit lines: 24 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,766Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: REInvesting Borrower's state: Nevada Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Real Estate Investor Needs a Loan
Purpose of loan: This loan will be used for Earnest Money Deposits to write Real Estate Contracts.

My financial situation: I am a good candidate for this loan because I am employed with a steady paycheck, plus the tremendous opportunity in the current Real Estate market will provide generous profits in the near future in my Investing Business to allow me to pay this loan back in full as quickly as possible. Thank you in advance for providing a loan.

Monthly net income: $897

Monthly expenses: $2,656???

Housing: $ 1,600??

Insurance: $ 0??

Car expenses: $214???

Utilities: $ 0?

Phone, cable, internet: $0???

Food, entertainment: $ 200??

Clothing, household expenses $ 150??

Credit cards and other loans: $ 292??

Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465697
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $249.11
 
Auction yield range: 10.93% - 11.00% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2001 Debt/Income ratio: 19%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:2y 3m
Credit score: 740-759 (Jul-2010) Total credit lines: 3 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,089Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: rate-instrument 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
purchase new used car
Purpose of loan:
This loan will be used to? purchase new used car????

My financial situation:
I am a good candidate for this loan because??
I take pride in working to improve my current credit score and can assure that every payment will be made on time with no issues.


Monthly net income: $ 2000

Monthly expenses: $
??Housing: $?150????
??Insurance: $?100????
??Car expenses: $ 0
??Utilities: $ 100????
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $?400
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,850.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.85% Starting borrower rate/APR: 13.85% / 16.01% Starting monthly payment: $97.20
 
Auction yield range: 5.93% - 12.85% Estimated loss impact: 5.21%  
Lender servicing fee: 1.00% Estimated return: 7.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1984 Debt/Income ratio: 10%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 6Length of status:4y 9m
Credit score: 740-759 (Jul-2010) Total credit lines: 18 Occupation: Computer Programmer
Now delinquent: 1 Revolving credit balance: $6,451Stated income:$50,000-$74,999
Amount delinquent: $75 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: wise-income-butterfly Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off 18% and 26% APR cards
Purpose of loan:
This loan will be used to pay off a current balance of about $3,000 on two credit cards, one with an 18% APR and the other with a 26% APR.

My financial situation:
I am a good candidate for this loan because I have a stable job in information technology with a state university that recently approved an across-the-board pay raise for all employees (while others are seeing furloughs and pay cuts). I am paying off credit cards that I used to supplement a loss of income during my final semester of college (could not work while writing a thesis), and I would love to save some money as my credit continues to improve. I will also have my MBA completed in the spring of 2011, which should increase my future earning power. I have owned a home since 08/2006 and have never been late on a mortgage payment.

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 465715
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1999 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:5y 2m
Credit score: 640-659 (Jul-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,432Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Looking-for-Relief-1 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need help paying debt.
I'm just trying to pay down some debt and need help doing it. I turned to few other commercial lenders and they chose not to help. I'm just looking for someone else to help me. I work very hard and never miss a day of work. I'm a safe bet because I will pay back what ever I owe. I would like to just get ahead. I will fully be able to pay the money back every month. I'm not in bad health. I also am on Salary so I get paid the same amount every 2 weeks. I'm actually really surprised this site gave me a HR listing. I have no delinquent accounts at all. Give me a chance.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465717
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $121.27
 
Auction yield range: 10.93% - 25.25% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 7 / 6Length of status:3y 4m
Credit score: 640-659 (Jul-2010) Total credit lines: 18 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,440Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: suave-money4 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
30 hp irr pump for hay farm
Purpose of loan:
This loan will be used to? replace a 30 horse power irrigation pump that irrigates 90 acres of our total 143 acres.? The bearings burned up on the old pump.

My financial situation:
I am a good candidate for this loan because? my finance and I own our farm outright.? Our vehicles and?farm equipment?are also owned outright.? We strongly believe in being debt free at all times.?? If we can't pay cash for an item we need we do without.?
This has been an unusual year for weather,? much more rain than normal,? forcing our hay crop to be a month late.??It is highly unusual ?for crops?to?be so late.???The late year has used up the emergency funds that we set aside for these kinds of situations.
?This is a well established, value added, alfalfa farm,? with over 25 years of experience.?? We do all the work ourselves including delivery of the hay with our semi and? 48 foot?flatbed trailer.?

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $?????? ? 00
??Insurance: $?? 170
??Car expenses: $??? 200
??Utilities: $???? 1000
??Phone, cable, internet: $? 200
??Food, entertainment: $??? 300
??Clothing, household expenses $? 200
??Credit cards and other loans: $??? 200
??Other expenses: $?? 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465723
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.33% Starting borrower rate/APR: 26.33% / 28.65% Starting monthly payment: $169.96
 
Auction yield range: 10.93% - 25.33% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 5 / 5Length of status:5y 2m
Credit score: 740-759 (Jul-2010) Total credit lines: 6 Occupation: Sales - Commission
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: the-p2ploan-aviary 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
extra school expenses
Purpose of loan:
I'm starting a new career?path,?currently completing a techincal education degree and looking to obtain a professional liscense upon graduation. I do need a little help to start my career in the best direction! I'm finally persuing the career i've always wanted. This loan will make a diference in the current direction of my life, all for the better.

My financial situation: I currently work full-time and have always had multiple, well paying jobs. I earn a decent amount of tips as well, which i directly deposit into my banking account?rather than spend. I am starting?a new career soon with multiple jobs offers. Looking forward to a financially stable future.

Monthly net income: $ 2,500-3,000

Monthly expenses: $
??Housing: $ 650????????
??Insurance: $
??Car expenses: $
??Utilities: $ 25
??Phone, cable, internet: $ 72
??Food, entertainment: $ 350
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 175
??Other expenses: $ 65
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465727
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 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-1991 Debt/Income ratio: 10%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 4Length of status:3y 1m
Credit score: 660-679 (Jul-2010) Total credit lines: 15 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $2,522Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: credit-plato7 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
Help with toxic debt
Purpose of loan:
This loan will be used to consolidate debt I have picked up in a short term need.

My financial situation:
I am a good candidate for this loan because I and my husband are employed full time and will both receive pay raises in September.

Monthly net income: $4400

Monthly expenses: $
??Housing: $0.00
??Insurance: $75.00
??Car expenses: $0.00
??Utilities: $
??Phone, cable, internet: $200.00
??Food, entertainment: $200.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $100.00
??Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 27.01%  
Lender servicing fee: 1.00% Estimated return: 6.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-2000 Debt/Income ratio: 33%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 12Length of status:11y 11m
Credit score: 680-699 (Jul-2010) Total credit lines: 26 Occupation: Military Enlisted
Now delinquent: 1 Revolving credit balance: $14,214Stated income:$50,000-$74,999
Amount delinquent: $306 Bankcard utilization: 56%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: worlds-best-currency4 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
Credit Debt Consolidation
Purpose of loan:
To pay off credit cards.
My financial situation:
I am a good candidate for this loan because I have a stable source of income and will be completely paying off several credit balances with this loan, therefore improving my credit score and being to pay off this loan quicker.

Monthly net income: $ 5600

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 125
??Car expenses: $ 595?
??Utilities: $ 0
??Phone, cable, internet: $?99
??Food, entertainment: $?200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Child Support?expenses: $ 2000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465735
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.93% Starting borrower rate/APR: 11.93% / 14.06% Starting monthly payment: $497.71
 
Auction yield range: 10.93% - 10.93% Estimated loss impact: 10.23%  
Lender servicing fee: 1.00% Estimated return: 0.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1988 Debt/Income ratio: 9%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:3y 1m
Credit score: 740-759 (Jul-2010) Total credit lines: 25 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $36,329Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: openness-sergeant 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
Credit card consolidation
Purpose of loan:
This loan will be used to payoff high interest credit card debt

My financial situation:
I am a good candidate for this loan because I have a clean credit report. All bills have been paid on time for as far as my credit report goes back. I'm tired of giving my business to credit card companies.

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 465741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.43% Starting borrower rate/APR: 26.43% / 28.76% Starting monthly payment: $405.20
 
Auction yield range: 10.93% - 25.43% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-2000 Debt/Income ratio: 60%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 10Length of status:4y 5m
Credit score: 700-719 (Jul-2010) Total credit lines: 16 Occupation: Other
Now delinquent: 0 Revolving credit balance: $8,399Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 46%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: durability-economist 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
Debt relief
The purpose of this loan is to help consolidate my debt. Which I incurred while studying, and taking some risks freelancing. This loan would help by allowing me to manage a single monthly payment rather than 5 at different intervals. I'm very punctual with payments, and can make my payments at the start of each month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465745
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $122.14
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1997 Debt/Income ratio: 32%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:3y 0m
Credit score: 640-659 (Jul-2010) Total credit lines: 14 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $3,997Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: loot-jedi4 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
buying a pickup truck
Purpose of loan:
This loan will be used to? buy a pickup truck ???? ????

My financial situation:
I am a good candidate for this loan because? I will pay it off quickly ????

Monthly net income: $ 1700

Monthly expenses: $ 1200 ????
??Housing: $ husband pays
??Insurance: $ husband pays ????
??Car expenses: $ 495.44
??Utilities: $ husband pays
??Phone, cable, internet: $ 89
??Food, entertainment: $ husband pays ????
??Clothing, household expenses $ 100 ????
??Credit cards and other loans: $ 250
??Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $557.45
 
Auction yield range: 16.93% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-2006 Debt/Income ratio: 53%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 11Length of status:5y 6m
Credit score: 700-719 (Jul-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $9,976Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 65%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: kindness-deployment 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:
To be relieved from scattered credit card payment.
Consolidate all debt and possibly get a better APR.
My financial situation:
I am a good candidate for this loan because?
I have a good credit history. I have a stable job for nearly six year, and have no sign or intention of switching careers. I have not have any bad relationship or review with all my current lenders. I don't have a child to support.
Monthly net income: $
2,100
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 200
??Car expenses: $ 370
??Utilities: $ 100
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465757
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2004 Debt/Income ratio: 25%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 5 / 3Length of status:3y 2m
Credit score: 680-699 (Jul-2010) Total credit lines: 9 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,075Stated 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: orange-exact-coin Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for my wedding
Purpose of loan:
This loan will be used to pay for my wedding this November.

My financial situation:
I am a good candidate for this loan because?
I have a pretty decent credit history, and am an honest borrower. I always pay my bills on time.

Monthly net income: $
$1800

Monthly expenses: $
??Housing: $0, my fiancee's checks pay the rent.
??Insurance: $100
??Car expenses: $440
??Utilities: $ 60
??Phone, cable, internet: $60
??Food, entertainment: $50, varies month to month
??Clothing, household expenses $50
??Credit cards and other loans: $270
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $92.77
 
Auction yield range: 2.93% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
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: May-1992 Debt/Income ratio: 18%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 10Length of status:0y 0m
Credit score: 760-779 (Jul-2010) Total credit lines: 22 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: open-p2ploan3 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Getting a new place to live
Purpose of loan:
This loan will be used to rent an apartment in the area in which I will be teaching starting this August. I am a credentialed California teacher who lost my job because of budget cuts at the end of the 2009 school year. I then had to work as a long-term substitute for most of this past year at a middle school. Because I treated this position as I would have treated any regular full-time teaching position, (even though the pay was much less) I was able to secure one of the few openings this district has for this next school year. The tricky part with teaching is although you start working and paying for things in August, you don't actually get your first check until the end of September. This period of time between can become a sort of limbo that can make it more difficult to make ends meet. I would like to move into a new place near my job this August prior to the start of school, and would like to get a loan to make this transition more seamless.

My financial situation:
I am a good candidate for this loan because I take borrowing whether via loans or credit cards very seriously. My credit standing is very important to me, and I hope to someday own my own home. I realize that more fortunate people do not have to help me out, but because they are I am very appreciative and thankful. I honestly hope to someday soon become financially? myself, so I can then be in a place where I can help others as well. This time of transition is where a lot of professionals are finding themselves these days, and I feel lucky that I was able to find a job, so lucky I do not mind facing some initial financial issues.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.00% Starting borrower rate/APR: 32.00% / 34.41% Starting monthly payment: $653.32
 
Auction yield range: 16.93% - 31.00% Estimated loss impact: 19.82%  
Lender servicing fee: 1.00% Estimated return: 11.18%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1993 Debt/Income ratio: 21%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 15Length of status:3y 7m
Credit score: 680-699 (Jul-2010) Total credit lines: 24 Occupation: Engineer - Chemical
Now delinquent: 0 Revolving credit balance: $24,192Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: justice-gazelle 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 Out of Debt
Purpose of loan:
This loan will be used to pay off credit card debt.

My financial situation:
I am a good candidate for this loan because I have a stable job and I make my payments on time!

Monthly net income: $ 4,300 (3,200 work income + 1,100 rental income)

Monthly expenses: $
??Housing: $ 2,000 (House payment in CO and Apartment payment)
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 800
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465783
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 17.33% Starting borrower rate/APR: 18.33% / 20.54% Starting monthly payment: $199.75
 
Auction yield range: 10.93% - 17.33% Estimated loss impact: 10.40%  
Lender servicing fee: 1.00% Estimated return: 6.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1996 Debt/Income ratio: 28%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 18 / 17Length of status:1y 10m
Credit score: 700-719 (Jun-2010) Total credit lines: 42 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $35,710Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: top-dime-igloo Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off 2 very high interest cards.

Thank you for considering my loan.

Purpose of loan:
This loan will be used to pay off my high-interest credit cards. I would prefer to pay individuals through Prosper.com and have real people benefit rather than the banks and credit card companies. Also, this lower rate will help me to get out of debt faster.

My financial situation is stable and consistent, but stretched very thin because of an on-going home renovation/restoration. My home was damaged severely by Hurricane Katrina, and I had no choice but to go into debt to pay for repairs. Five years later, I am seeking ways to finally get out of the "Katrina debt." I have a stable, well-paying job and a house with an apartment that generates additional income. I also earn extra money as a free-lance photographer, earning money from weddings and portraits about once a month.

I am a good candidate for this loan because I am extremely responsible about paying my bills. I have worked very hard to keep my home--sometimes working 3 jobs to do so--and to keep my credit in good standing. I am also very intent on improving my credit score. The 2 credit cards I plan to pay off with this loan have an outrageously high, 27.9% APR. I am already paying $300+ per month to these cards so will easily be able to make the $200 estimated monthly payment to investors. Instead of "throwing away" the extra $100 per month in interest, I can pay off other debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465807
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% Starting borrower rate/APR: 17.93% / 20.14% Starting monthly payment: $180.59
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 18.93%  
Lender servicing fee: 1.00% Estimated return: -2.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 3 / 2Length of status:7y 10m
Credit score: 720-739 (Jul-2010) Total credit lines: 22 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $1,843Stated 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: pound-maximizer9 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 all credit cards/misc loans
Purpose of loan:
Pay off credit cards and a line of credit.
My financial situation:
Paying too high of interest on the cards.? Looking to just make one payment.? Already paying over $300 per month on them.

Monthly net income: Approx $5,500

Monthly expenses: $ 2,900?TOTAL per month
??Housing: $ 900
??Insurance: $ 200
??Car expenses: $ 450
??Utilities: $?450
??Phone, cable, internet: $ 300
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ NONE
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465813
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 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-1992 Debt/Income ratio: 32%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 17Length of status:5y 5m
Credit score: 680-699 (Jun-2010) Total credit lines: 30 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $32,858Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: friendly-repayment 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
Credit Card Consolidation
Purpose of loan:
This loan will be used to?I have a few credit cards with small balances that I would like to consolidate

My financial situation:
I am a good candidate for this loan because?I am employed full time. Married--my wife is employed full time. I have a 401K. My wife has 401K. I get paid weekly

Monthly net income: $ 3200-3500

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 465817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% - 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-1994 Debt/Income ratio: 30%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 15 / 14Length of status:12y 9m
Credit score: 720-739 (Jul-2010) Total credit lines: 53 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $563Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: bright-social 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
Going to a family reunion to calif
Purpose of loan:
This loan will be used to go to my family reunion to California, I have not been able to go for the past 6 years since my daughter passed away.

My financial situation:
I am a good candidate for this loan because I have a fair credit score and I don't have any late payments.

Monthly net income: $ 3000.00

Monthly expenses: $
??Housing: $ 1014.00
??Insurance: $ 358.00
??Car expenses: $ 150.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 16.93% - 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-1976 Debt/Income ratio: 32%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 4Length of status:9y 6m
Credit score: 740-759 (Jul-2010) Total credit lines: 18 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $12,947Stated 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: truth-captain4 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
Equipment Purchase
Purpose of loan:
This loan will be used to?
Purchase equipment for established home construction company.
My financial situation:
I am a good candidate for this loan because?
?My credit rating is good and loans are kept to a minimum and paid back quickly.

Monthly net income: $
4000
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 465823
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.30% Starting borrower rate/APR: 34.30% / 36.74% Starting monthly payment: $112.10
 
Auction yield range: 13.93% - 33.30% Estimated loss impact: 15.54%  
Lender servicing fee: 1.00% Estimated return: 17.76%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2000 Debt/Income ratio: 17%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 6Length of status:2y 5m
Credit score: 640-659 (Jul-2010) Total credit lines: 13 Occupation: Professional
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: purposeful-note0 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
Truck Repairs
Purpose of loan:
Fix my truck. The AC?just went out and I?need new tires bad.?


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.33% Starting borrower rate/APR: 27.33% / 29.67% Starting monthly payment: $205.01
 
Auction yield range: 10.93% - 26.33% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.68%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1981 Debt/Income ratio: 73%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 20 / 16Length of status:0y 11m
Credit score: 660-679 (Jul-2010) Total credit lines: 36 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $66,170Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: note-planetarium4 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off kids' college tuition
Purpose of loan:
This loan will be used to pay off credit cards used for tuition when interest rates were lower on credit cards than student loans.

My financial situation:
I am a good candidate for this loan because I have never nor will I ever default on a loan.?

Monthly net income: $40,000

Monthly expenses: $ - Paid by husband, I am paying off?the accumulated credit card debt?for our?3 children?to obtain?college and graduate school degrees.??Our children have their degrees;?we?continue to?pay down the debt.
??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 465843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $294.03
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 10 / 10Length of status:4y 4m
Credit score: 640-659 (Jun-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 1 Revolving credit balance: $5,120Stated income:$25,000-$49,999
Amount delinquent: $44 Bankcard utilization: 85%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: billingsley_dorothy Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 64 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,600.00< 31 days late: 0 ( 0% )  
660-679 (Apr-2010)
640-659 (Dec-2009)
640-659 (Nov-2007)
640-659 (Feb-2007)
 
Principal balance: $254.36 31+ days late: 0 ( 0% )
Total payments billed: 64  
Description
Loan For Debt Consolidation
Hello again Prosper,

Thank you very much for taking the time to review and bid on my loan request. ?I currently have a loan that is being paid on time, and a previous loan that has been paid in full and I was never late on any payments.? I am looking forward to continue building my reputation and positive business relationship with Prosper. This will also allow me to continue building my FICO score. ?For this loan I am requesting $6,500. ?With your money I will consolidate debt and get some dental work done, while you earn interest.

Here is my monthly financial detail:

Net (monthly) income- $2,628
Rent-$871
Car- $267
Life insurance- $134
Auto insurance- $94
Telephone- $19
Food- $250
Gas (for auto)- $60
Utilities- $67

Total- $1,762

I will have $866 left to pay towards this loan monthly. As I have kept my promises before, I will not let Prosper and its affiliates down. You have my 100% guarantee as well as my history which speaks for itself. ?Please continue to give me the chance to show you that I am worthy of your trust. ?Thanks again, for taking the time to review my loan request!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $241.56
 
Auction yield range: 16.93% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1995 Debt/Income ratio: 41%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 7Length of status:4y 10m
Credit score: 640-659 (Jul-2010) Total credit lines: 26 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $23,364Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 81%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: thankful-power7 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off all cards and be debt free!

My financial situation:
I am a good candidate for this loan because I work hard and never have been late on any payments.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 75
??Car expenses: $ 80
??Utilities: $ 175
??Phone, cable, internet: $ 80
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465885
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 15.14% Starting monthly payment: $505.41
 
Auction yield range: 10.93% - 12.00% Estimated loss impact: 10.26%  
Lender servicing fee: 1.00% Estimated return: 1.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1999 Debt/Income ratio: 28%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 13Length of status:6y 3m
Credit score: 720-739 (Jul-2010) Total credit lines: 26 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $35,839Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 48%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: principal-supernova 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 high interest CC
Purpose of loan:
This loan will be used to? pay off a high interest credit card.? I have never been late on an account.? I am trying to become debt free, but it is taking so long with the high interest rate.

My financial situation:
I am a good candidate for this loan because? I have never been late on an account.? I pay all of my bills on time every month.? Just anxious to become debt free and am looking for a more competitive rate than is on my high interest rate credit card.? I have definitely learned my lesson about the danger of credit cards, and am paying for it.

Monthly net income: $ 3583.24

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 68
??Car expenses: $ 541
??Utilities: $ 170
??Phone, cable, internet: $ 80
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 850
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.23% Starting borrower rate/APR: 34.23% / 36.67% Starting monthly payment: $112.00
 
Auction yield range: 13.93% - 33.23% Estimated loss impact: 15.53%  
Lender servicing fee: 1.00% Estimated return: 17.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):3 Current / open credit lines: 8 / 8Length of status:0y 7m
Credit score: 660-679 (Jun-2010) Total credit lines: 8 Occupation: Other
Now delinquent: 0 Revolving credit balance: $23,897Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Raym257 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
Help pay property taxes and bills
Purpose of loan:
Hello, this loan will be used to help my parents and myself pay bills for a six family building we own in NY. We will have 3 apartments vacant by the end of July and will have to do some retouching up before re-renting them but we have some bills that need to be paid which include mainly the the property tax, water bill, insurance, etc, which overall add up to over a few thousands of dollars and we don''t have enough money right now to pay off all of them. Money borrowed will also be used to do any fixing needed to apartments when vacant if needed.

My financial situation:
I am a good candidate for this loan because I currently make anywhere from $1,800-$2,500 a month, and would be able to pay off the debt by the end of year if needed, but i know Prosper lists this as a 36 month loan, so i'm willing to pay the extra interest over the 36 months to get this money within the next few weeks because the extra money would definitely help me and my parents out within the next few months with paying off most of these bills. *Also please note that even though my revolving credit balance it at $23k, only about $7k is my own, the rest of that is my parents credit card accounts that i am linked with.

Monthly net income: $ Anywhere from $1,800-$2,500

Monthly expenses: $
??Housing: $0(owns the place living in)
??Insurance: $0
??Car expenses: $200
??Utilities: $150
??Phone, cable, internet: $150
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $200
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $212.26
 
Auction yield range: 16.93% - 29.00% Estimated loss impact: 19.69%  
Lender servicing fee: 1.00% Estimated return: 9.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2001 Debt/Income ratio: 11%
Basic (1-10): 5 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:7y 6m
Credit score: 660-679 (Jul-2010) Total credit lines: 14 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $1,430Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 38    
Screen name: income-mate 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
My wedding/house fund
Purpose of loan:
This loan will be used for two things, to fix up our new home and to help pay for our wedding. My fiance and I just closed escrow on our first home on June 16th?and there are lots of things to take care of around the house. We need a new toilet, the backyard needs to be re-done so that our two little dogs can safely be in the backyard, and we want to be able to create a loving, safe home for the family that we want to start within the next year. We also need some help paying for our wedding. We are getting married in less than 3 months and the last minute expenses are adding up!

Your help will be greatly appreciated!

My financial situation:
I am a good candidate for this loan because?my fiance and I?have?stable jobs with stable income. My bills are paid on time every month and this loan will be paid, ON TIME, every month as well.

We are good, honest people just trying to live out the american dream and build a home for our growing family.

Monthly net income: $ 4200.00

Monthly expenses: $ 2575.00
??Housing: $ 1300.00
??Insurance: $ 150.00
??Car expenses: $ 200 for gas (I commute with co-worker)
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.33% Starting borrower rate/APR: 26.33% / 28.65% Starting monthly payment: $89.03
 
Auction yield range: 10.93% - 25.33% Estimated loss impact: 10.63%  
Lender servicing fee: 1.00% Estimated return: 14.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: Not calculated
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 6Length of status:0y 0m
Credit score: 640-659 (Jul-2010) Total credit lines: 25 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $297Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: blazing-deal0 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
One class left to finish an MBA
Purpose of loan:
This loan will be used to? pay for the last class for an MBA. The tuition for the course is about $1900, the book is $160, and a graduation application fee of $140.

My financial situation:
I am a good candidate for this loan because? upon graduation, I will immediately have an opportunity to increase my income. It takes only 6 weeks to complete the course. My current income level in the job I just got an offer for provides more then enough income to meet the obligations of this loan.

Monthly net income: $ 2600 Monthly expenses: />??Housing: $ rent of $600 monthly
??Insurance: $ 50
??Car expenses: Car is paid in full, Gas roughly $100/month
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 600
??Clothing, household expenses $ 50 month
??Credit cards and other loans: 99% of my debt consists of student loan debt, which at the moment is deferred for a few months. When the payments begin, they will be close to $500 month
??Other expenses: $ 0
Total current expenses monthly are about $1500, and will increase in a few months to about $2000. My current income is about $2600, so I will have plenty of extra money in order to pay for this loan.
Information in the Description is not verified.