Listing Report:Supplement No. 287 dated Jul 16, 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 430149
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 4.00% Starting borrower rate/APR: 5.00% / 5.33% Starting monthly payment: $149.85
 
Auction yield range: 2.93% - 4.00% Estimated loss impact: 1.49%  
Lender servicing fee: 1.00% Estimated return: 2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1998 Debt/Income ratio: 5%
Basic (1-10): 6 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:1y 1m
Credit score: 800-819 (Jul-2010) Total credit lines: 31 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $2,228Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 16%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: nbk4sez 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: 25 ( 100% ) 800-819 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Oct-2009)
740-759 (Jul-2009)
720-739 (May-2008)
720-739 (Apr-2008)
 
Principal balance: $578.54 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Consolidate Student Loan at Low APR
I am looking to consolidate an exisiting Sallie Mae Student Loan from its current rate of 6.5% to an even lower rate.? I have paid for this loan consistently for the last 5 years without any issues, and have made more and more money at my job.? I am looking to aggressively pay this down as fast as possible through prosper using a shorter period and why not also at the same time give some nice interest back to the communitty instead of banks!? My creditis perfect the one other loan i tried is basically paid off as you can see in my history.? My credit is perfect, and i have no other debt.

thanks,
ANdy!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 18.99% Starting borrower rate/APR: 19.99% / 22.23% Starting monthly payment: $92.90
 
Auction yield range: 13.93% - 18.99% Estimated loss impact: 14.84%  
Lender servicing fee: 1.00% Estimated return: 4.15%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1993 Debt/Income ratio: 26%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 11Length of status:6y 11m
Credit score: 640-659 (Jul-2010) Total credit lines: 27 Occupation: Car Dealer
Now delinquent: 2 Revolving credit balance: $39,104Stated income:$50,000-$74,999
Amount delinquent: $1,772 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: orange-bada-bing 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
VACATION AND DEBT PAYMENT
Purpose of loan:
This loan will be used to take a much needed vacation after two years and pay off a couple of other debts

My financial situation:
I am a good candidate for this loan because after 3+ years my wife will be working full time adding 40% to our gross income

Monthly net income: $

Monthly expenses: $
??Housing: $ 1475 ???? ???? ????
??Insurance: $140
??Car expenses: $314
??Utilities: $110
??Phone, cable, internet: $105
??Food, entertainment: $125 ????
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454809
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $18,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $650.74
 
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-1979 Debt/Income ratio: 19%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 10Length of status:17y 5m
Credit score: 700-719 (Jul-2010) Total credit lines: 33 Occupation: Police Officer/Corr...
Now delinquent: 2 Revolving credit balance: $16,820Stated income:$50,000-$74,999
Amount delinquent: $14,924 Bankcard utilization: 29%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: return-zoo Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debts
Purpose of loan:
This loan will be used to? Pay-off all of my deliquent accouts including: HSBC, Capital one, and Chase.? I will never again get into any kind of deliquent accouts again.??

My financial situation:
I am a good candidate for this loan because? My payments will be automatic deductions every two weeks. I get paid every other Friday.? That will be 26 payments per year,

Monthly net income: $ 3000

Monthly expenses: $ 600
??Housing: $ 500
??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 464825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,750.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 13.93% Starting borrower rate/APR: 14.93% / 17.10% Starting monthly payment: $337.65
 
Auction yield range: 13.93% - 13.93% Estimated loss impact: 14.60%  
Lender servicing fee: 1.00% Estimated return: -0.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1987 Debt/Income ratio: 15%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:13y 2m
Credit score: 660-679 (Jul-2010) Total credit lines: 28 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $11,113Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 28    
Screen name: IWillRepayUquickly 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
Loan for CCards Payoff Home Repair
Purpose of loan:
This loan will be used to pay off my credit card debt and unexpect?and need home repairs...

My financial situation:
I am a good candidate for this loan.? I have no delinquencies, and exceptional credit history

Thank you, for your time and assistance.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 464895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,400.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 28.88% Starting borrower rate/APR: 29.88% / 32.26% Starting monthly payment: $398.43
 
Auction yield range: 16.93% - 28.88% Estimated loss impact: 26.69%  
Lender servicing fee: 1.00% Estimated return: 2.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1991 Debt/Income ratio: 9%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 7 / 4Length of status:2y 10m
Credit score: 660-679 (Jul-2010) Total credit lines: 19 Occupation: Retail Management
Now delinquent: 2 Revolving credit balance: $192Stated income:$50,000-$74,999
Amount delinquent: $3,241 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 23    
Screen name: CUTigers86 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
My personal loan for my education
Purpose of loan:
The purpose of this loan is to assist in paying tuition for my daughter so that she may attend a specialized learning center prior to entering high school. She is a bright kid with limited study skills (like most teenagers). Her grades are pretty good , 3.03 GPA but in the ultracompetitive environment of high school and, further down the road, college, we want to give her any advantage possible. We have already completed the scholastic assessment and have elected to proceed with the curriculum. Payment in full for the tuition provides a substantial discount (8%) vs a pay as you go program which is much more expensive so I would really like to take advantage of the discount. I feel that this is a really outstanding opportunity for her and she is "on board" with the whole idea of self improvement which makes the decision to proceed an easy one.

My financial situation:
I am a good candidate for this loan because? my debt to income is extremely low.? While I carry an "HR" rating, it is due to items going back a few years, all bills and past items are paid and closed. My credit score is in the 670's which represents an improvement of over 120 points in the past 4 months since I really took a look at what was showing up on my credit report. The monthly loan repayment of $400 is extremely manageable in relation to my monthly income.

I will gladly answer any questions that lenders would like to pose with regard to my income and credit history. In advance of questions, I will offer the following information with regard to my credit history - all public records are paid/satisfied in full. THe amount of $3200? that shows as "delinquent" is actually a closed loan account?with a current balance of $2100 that is being repayed at $308 a month for the next 7 months - this amount has been factored into my monthly expenses below. Thank you?for your consideration and I encourage everyone who reads this and has even a remote interest in funding to ask any and all questions that they may have.

Monthly net income: $3200????

Monthly expenses: $
??Housing: $ n/a
??Insurance: $ 75
??Car expenses: $75?
??Utilities: $?n/a
??Phone, cable, internet: $?n/a
??Food, entertainment: $125
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 375
??Other expenses: $ n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465335
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1992 Debt/Income ratio: 74%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 10Length of status:10y 1m
Credit score: 740-759 (Jul-2010) Total credit lines: 42 Occupation: Other
Now delinquent: 0 Revolving credit balance: $13,714Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: funds-lionheart8 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
Debt Consolidation -
Purpose of loan:
This loan will be used to pay off and close credit cards after moving and upgrading our house from a 2BR to 4BR for our growing family.

My financial situation:
We are a good candidate for this loan because we consistently pay our monthly obligations on time and have shown financial stability. We have consistently put money in retirement accounts and are actively planning for our children's futures which is why we are seeking this debt consolidation loan.

Monthly net income (after taxes, Medical Flex and Insurance): $ 3666

Monthly expenses (w/o credit cards): $2677
??Mortgage: $1763
??Auto Insurance: $97
??Auto expenses: $150
??Utilities: $112
??Phone, cable, internet: $205
??Groceries, entertainment: $150
??Clothing, household expenses $100
??Other expenses: $100

Monthly Credit Card expenses : $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466371
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2000 Debt/Income ratio: 24%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:3y 6m
Credit score: 680-699 (Jul-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $298Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dkoch2 Borrower's state: Oregon 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: 26 ( 76% ) 680-699 (Latest)
Principal borrowed: $4,000.00< 31 days late: 1 ( 3% )  
660-679 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 7 ( 21% )
Total payments billed: 34  
Description
Help me keep my dream!! My 2nd loan
Thank you for reading my listing and hope you will support it!!

In 2008, a friend and myself started Continental Wrestling Federation, a professional wrestling organization. We are incorporated in California and are an Accredited business with the Better Business Bureau, with an A- rating and 0 complaints. I hold monthly events in southern California in small venues where the audiences range from 150 to our largest at 350. I placed a promo video about us on our website, www.cwfcontinental.com/prosper.

Today, I am requesting a $15,000 Prosper loan that will be used over the next 5 years to handle office and storage rental fees, improve video production equipment, rental fees of the venues where we will hold events in the future, overall; the main purpose is to improve our product's quality and attract more event sponsors and encourage an increase in our fanbase.

I am a good candidate for this listing because this my 2nd loan with Prosper, I make excellent pay at my position and have a good pay history with creditors. I am currently in the best position I have ever been in my life.

About my last loan, as you will see by the lender details; it says I was late with payments 8 times but in November 2009, I had a payment arrangement with Prosper's payment specialist to pay partial payments as I was financially taking care of a relative and this took a lot of my monthly pay. Partial payments were for November 2009-February 2010.I spoke with customer service about this and they said it is due to their systems being computerized and that payments are automatically counted late just not reported to the credit bureaus. To prove what I'm saying; first, my credit score has increased since my last listing, something that obviously would not happen if I was late, especially 8 times. Second, my enhanced Prosper score is 4 out of 5 with 5 being the best. Third, "deliquencies in the last 7 years" is listed as 0. and my credit report with all the credit bureaus that Prosper reports to shows all on-time payments.

My monthly income after taxes is $3,400
My monthly expenses are: $2,040
Housing: $840
Insurance: $0
Car expenses: $50 (I ride the bus, this is my cost for monthly passes)
Utilities: $0 (Included in as part of housing rental
Phone, cable, internet: $100
Food, entertainment: $75
Clothing, household expenses $50
Credit cards and other loans: $75
Other/business expenses: $750 (Office rental, liability insurance, venue rental)
This leaves $1,460 to pay off the loan on a monthly basis.

Our events make between $1,500 to $2,000 each month but those funds pay off lasting expenses like paying competitors, video and sound crew and any additional fees owed to venues, I am not including it in my monthly income, also it can fluctuate month to month. I look forward to your bids!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466573
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1991 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Retired
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:7y 1m
Credit score: 720-739 (Jul-2010) Total credit lines: 5Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $651 
Amount delinquent: $0 Bankcard utilization: 2%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: alluring-funds033 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 personal loan for my education
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 466643
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 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-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 5Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:2y 0m
Credit score: 700-719 (Jul-2010) Total credit lines: 9 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,412Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 72%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: benefit-awakening7 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
Electronics Recycling Center
Purpose of loan:
This loan will be used to fund my new business, Livermore e-Waste. I need funding specifically for advertising (online marketing, mailers, etc.), equipment (pallet jack, scale, etc.) and the costs of the truck (gas, insurance, etc.). Livermore e-Waste is an electronic waste collection center. It is a free service to homes and businesses to help ensure that all electronic wastes (TVs, computers, cell phones, fax machines, etc.) are properly recycled within the US, rather than thrown in landfills or exported.

My financial situation:
I am a good candidate for this loan because I am experienced in managing all aspects of a small business, I have a good credit history and income from my other business to help ensure monthly payments are maintained. Livermore e-Waste is my second business, my first being a music lessons studio that I have owned and operated since 2008.

Monthly net income: $5000

Monthly expenses: $2500
??Housing: $800
??Insurance: $300
??Car expenses: $250
??Utilities: $150
??Phone, cable, internet: $200
??Food, entertainment: $250
??Clothing, household expenses $50
??Credit cards and other loans: $300
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466649
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.33% Starting borrower rate/APR: 26.33% / 30.26% Starting monthly payment: $40.47
 
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: Sep-1998 Debt/Income ratio: 90%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 10 / 8 Occupation: Administrative Assi...
Credit score: 640-659 (Jul-2010) Total credit lines: 29Stated income:$1-$24,999
Now delinquent: 5 Revolving credit balance: $82 
Amount delinquent: $2,617 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 19    
Screen name: exciting-credit285 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 debt and credit cards
Purpose of loan:
This loan will be used to pay off my debt so I can get back on track.

My financial situation:
I am a good candidate for this loan because I need to pay off debt so I can help my family with our housing expenses. So please approve my loan, I will be so greatful if I can get this loan. Thank you

Monthly net income: $ 2000.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 302.00
??Utilities: $ 0
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1977 Debt/Income ratio: 65%
Basic (1-10): 3 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 22 / 20Length of status:7y 0m
Credit score: 680-699 (Jul-2010) Total credit lines: 57 Occupation: Skilled Labor
Now delinquent: 1 Revolving credit balance: $74,764Stated income:$50,000-$74,999
Amount delinquent: $8,180 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: affluence-sniffer 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
get caught up on my bills
Purpose of loan:
This loan will be used?

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 466679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.23% Starting borrower rate/APR: 34.23% / 38.36% Starting monthly payment: $44.80
 
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: Apr-2005 Debt/Income ratio: 31%
Basic (1-10): 6 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 8Length of status:0y 1m
Credit score: 660-679 (Jul-2010) Total credit lines: 18 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $515Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dedication-paradise 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
$$$
Purpose of loan:
This loan will be used to?
consolidate debts
My financial situation:
I am a good candidate for this loan because?
I have a history of paying my creditors on time.
Monthly net income: $
1733.33
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 120
??Car expenses: $ 260.37
??Utilities: $ 0
??Phone, cable, internet: $ 89.00
??Food, entertainment: $ 30
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466697
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1986 Debt/Income ratio: 8%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:14y 10m
Credit score: 740-759 (Jul-2010) Total credit lines: 49 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $2,251Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 26    
Screen name: aswsweet16 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
My loan for car repair & moving
Purpose of loan:
This loan will be used to?
For closing costs and moving expenses and car repair.
My financial situation:
I am a good candidate for this loan because? I have a good income and have raised my credit score over 200 points in the ast?3 years. Thank You!

Monthly net income: $ 9,000

Monthly expenses: $
??Housing: $ 1750
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $ vary
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466715
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.20% Starting borrower rate/APR: 10.20% / 12.31% Starting monthly payment: $323.61
 
Auction yield range: 3.93% - 9.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.08%  
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: Mar-1983 Debt/Income ratio: 16%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 13Length of status:0y 5m
Credit score: 780-799 (Jul-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 0 Revolving credit balance: $13,044Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 29%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: inventive-ore6 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
School
Purpose of loan:
This loan will be used to? pay off high interest rate credit cards

My financial situation:
I am a good candidate for this loan because?I will pay off the loan.? I pay my bills, I can't see paying 29.99 percent for credit cards if there is another option.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466739
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 6 / 5Length of status:2y 0m
Credit score: 700-719 (Jul-2010) Total credit lines: 39 Occupation: Other
Now delinquent: 0 Revolving credit balance: $25,052Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: rate-accomplishment 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
www.priestleyhouse.com expansion
Purpose of loan:
This loan will be used to expand my wedding business, the Priestley-Savidge House.?

My financial situation:
I am a good candidate for this loan because of my solid credit history, successful business and ability to pay.? I have a second income from my domestic partner.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 2100
??Insurance: $ 500
??Car expenses: $200
??Utilities: $ 350
??Phone, cable, internet: $?200????
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 400?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466745
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 10.93% Starting borrower rate/APR: 11.93% / 14.06% Starting monthly payment: $132.72
 
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: Jan-2002 Debt/Income ratio: 37%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 22 / 19Length of status:6y 10m
Credit score: 700-719 (Jul-2010) Total credit lines: 35 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $10,890Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 41%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: meowloki Borrower's state: Nebraska Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 16 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,499.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2010)
640-659 (Jul-2009)
580-599 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Pay off rest of revolving 700+ Fico
Purpose of loan:
This loan will be used to? This loan will be used to pay off the rest of my revolving debt.??My wife and I are going to use our bonuses to pay off the rest.

My financial situation:
I am a good candidate for this loan because? I have been employed with the same company for almost 7 year. I make my payments on time and pay them off sooner then the due dates. Since my very first loan you can see how much my credit has improved.?I have had two other prosper loans and paid them in full well before the final due date. Please consider and you will not be disappointed. Thank you for you time.

Monthly net income: $ 6300 monthly with wifes income

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466757
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,200.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $102.06
 
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: Mar-1984 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 21 / 20Length of status:0y 4m
Credit score: 780-799 (Jul-2010) Total credit lines: 45 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $4,797Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 4%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: wise-basis-lesson 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
Help Managing Debt
Purpose of loan:
This loan will be used to better manage my debt.? I have one creditor who is bleeding me dry.? While I've doubled my monthly payments, I still cannot see how this debt will get paid because of the?monthly interest.? I am shopping for a better deal.

My financial situation:
I am a good candidate for this loan because I have been able to handle my finances.? Whenever possible, I always sign up for automatic billing so that neither I nor my creditors will have to worry about a missed payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 Prosper Rating: 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: $73.35
 
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: Mar-1989 Debt/Income ratio: 25%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 29 / 25Length of status:13y 10m
Credit score: 700-719 (Jul-2010) Total credit lines: 58 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $59,620Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 90%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: nourishing-economy1 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a credit card
Purpose of loan: This loan will pay off a high interest credit card.???
My financial situation:
This loan will simply move a high interest credit card debt to a reasonable interest rate.??

Monthly net income: $? $8200.00

Monthly expenses: $??
??Housing: $ 2100
??Insurance: $ 435
??Car expenses: $1210
??Utilities: $ 320
??Phone, cable, internet: $ 300
??Food, entertainment: $? 300
??Clothing, household expenses $ 350
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466777
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $429.74
 
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-1992 Debt/Income ratio: 34%
Basic (1-10): 1 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 12 / 11Length of status:4y 0m
Credit score: 660-679 (Jul-2010) Total credit lines: 28 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $14,807Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: blue-reliable-fund Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to?? To pay off Credit Cards

My financial situation:
I am a good candidate for this loan because? I pay my bills on time, and want to work on getting my bills taken care of

Monthly net income: $ 40,000.00

Monthly expenses: $
??Housing: $ 986.00????
??Insurance: $ 120.00????
??Car expenses: $ 50.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 200.00????
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466793
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $22,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 10.73% Starting monthly payment: $713.81
 
Auction yield range: 2.93% - 9.38% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1992 Debt/Income ratio: 27%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 21 / 19Length of status:10y 6m
Credit score: 840-859 (Jul-2010) Total credit lines: 42 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,842Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 2%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: investment-chooser Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off 2nd mortgage
Purpose of loan:
This loan will be used to pay off?my 2nd mortgage.?

My financial situation:
I am a good candidate for this loan because?I've never been late on any kind of?payment?in my life and won't for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.20% Starting borrower rate/APR: 10.20% / 12.31% Starting monthly payment: $258.89
 
Auction yield range: 3.93% - 9.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.08%  
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: Jul-2001 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:1y 9m
Credit score: 740-759 (Jul-2010) Total credit lines: 15 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $1,741Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 5%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: kind-fulfilling-hope 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
House down payment
I am using this money for a house down payment.? I have most of the down payment, but with this money, I will reach my goal of paying down 20%.? I save significant money by not having to pay that penalty and have the extra insurance cost.? Thanks for your help!!?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $551.87
 
Auction yield range: 16.93% - 29.00% Estimated loss impact: 36.19%  
Lender servicing fee: 1.00% Estimated return: -7.19%  
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: May-1990 Debt/Income ratio: 27%
Basic (1-10): 1 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 8 / 8Length of status:8y 6m
Credit score: 660-679 (Jul-2010) Total credit lines: 20 Occupation: Analyst
Now delinquent: 1 Revolving credit balance: $42,197Stated income:$75,000-$99,999
Amount delinquent: $2,214 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: euphoria678 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
Short term TSP Loan Refi
Purpose of loan:
This loan will be used to? Refinance my TSP loan.? TSP is Thrift Savings Plan, the governmental version of 401K.? You are only allowed to have one loan outstanding at time.?? The current loan rate is 3%. All loans have to be paid off for 60 days before a new one can be issued.? I will need the loan for around 3 months.? My TSP account balance currently is $80k.

My financial situation:
I am a good candidate for this loan because? I am a government employee(Job security).? I put myself into a tough spot by overextending in a venture capital investment last year.? Because of this investment, which my money is still tied up, I sacrificed my credit.? I have never defaulted on anything I have borrowed and don't intend to now.? Once I get a new TSP loan I am going to consolidate high interest debt down to 3% interest.

Monthly net income: $ 6,000

Monthly expenses: $ 5,224
??Housing: $ 750
??Insurance: $ 85
??Car expenses: $ 560
??Utilities: $ 50
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2,779
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466811
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1998 Debt/Income ratio: 9%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:7y 2m
Credit score: 720-739 (Jul-2010) Total credit lines: 39 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: money-genetics 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
Addition to Home, Having Twins!!
Purpose of loan:

After many unsuccessful attempts due to complicated health issues, my husband and I were very sad and thought we would never have a family of our own. Our doctors weren?t giving us much hope and the possible appeared very much impossible.? We were very hopeful that despite the odds we could still have the family that we?ve always dreamed of. To our surprise, we recently found out that not only are we pregnant, but with twins!??

This has made us overjoyed beyond words however; this will mean we will need to add an additional room to our house quickly. The home we live is not suitable for a family unless we add a room fortunately, the home owners of the property have agreed to allow us in adding on to the 996 square foot house so long as they don?t have to come out of pocket for it and are happy with the ideal lay out! (YAY!) I?m pleased with this decision since we?ve become so comfortable here and they are being ??very compliant!??

This ?2 for 1 Special? will assist in covering the costs for both labor and supplies. Due to the current state of the economy, friends and family are unfortunately unable to assist us as much as they?d like. I?ve been working for Key Element Productions for over six years and the partners of the company have agreed to continue to compensate me my usual salary during maternity leave. They understand our situation and so far, no layoffs in my department and I don?t intend on leaving any time soon given the current job market. Since we need a little more money to cover the cost of construction, we thought we?d turn to the Prosper community for help.??

We know we?ll be great parents and we know our children will be happy and we really want to raise them in a safe, joyful environment. Please help us; we have no one else to turn to. ? Thank you for your assistance.??
Warmest regards,

The Phillips???

My financial situation:

I am a good a candidate for this loan because I?ve been working for this company for more than 6 years and every year my salary increases. My employers?are happy with me and want me to stay on as long as I?d like. They are aware of our situation and will continue to pay my regular salary even while I am on maternity leave. Paying back the loan should be no problem. In addition, I?m very responsible and believe in making payments on time.

Monthly net income:over $5,000

Monthly expenses: $ 4,125??
Housing: $ 2850???????
Insurance: $ 475??
Car expenses: $ 200??
Utilities: $ 450??
Phone, cable, internet: $ 150 (bundle)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 24.51% Starting borrower rate/APR: 25.51% / 27.82% Starting monthly payment: $1,000.75
 
Auction yield range: 7.93% - 24.51% Estimated loss impact: 9.08%  
Lender servicing fee: 1.00% Estimated return: 15.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1993 Debt/Income ratio: 48%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 15Length of status:11y 6m
Credit score: 760-779 (Jul-2010) Total credit lines: 52 Occupation: Other
Now delinquent: 0 Revolving credit balance: $19,999Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 35%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: worldly-contract3 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? To pay off credit cards, then work on my home

My financial situation:
I am a good candidate for this loan because? I always pay my bills, and Im getting ready for my kids college????????

Monthly net income: $ 47,918 plus mileage checks, another 6,000 a year????

Monthly expenses: $
??Housing: $ 971.00????
??Insurance: $ 200.00????
??Car expenses: $ 209.00- car pymt????
??Utilities: $ 150-200.00????
??Phone, cable, internet: $?89.00????
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 900.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $158.33
 
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: Sep-2000 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 11Length of status:3y 10m
Credit score: 620-639 (Jun-2010) Total credit lines: 30 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $9,998Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: michael81 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: 23 ( 92% ) 620-639 (Latest)
Principal borrowed: $7,000.00< 31 days late: 1 ( 4% )  
640-659 (May-2008)
 
Principal balance: $2,375.63 31+ days late: 1 ( 4% )
Total payments billed: 25  
Description
Business Funding
Purpose of loan:
I will be using this loan to start a new business.

My financial situation:
I will make all payments on time and I will use this loan towards my business start up budget.? Thank you.

Monthly net income: $ 2200
Monthly expenses: $?850
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 466837
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $469.98
 
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: Nov-1994 Debt/Income ratio: 18%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:15y 4m
Credit score: 640-659 (Jul-2010) Total credit lines: 12 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $13,196Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: loyalty-phase 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
Getting rid of Credit Cards
Purpose of loan:
This loan will be used to?I will be using this loan to pay off Higher interest credit cards?that I used for?house remodeling. ?

My financial situation:
I am a good candidate for this loan because? I continue to pay all my bills on time. My credit score is lower because of the balances on these credit cards.

Monthly net income: $
5300 total (4500.00 mine 800.00 wifes)
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 200
??Car expenses: $ 237
??Utilities: $ 270
??Phone, cable, internet: $ 200
??Food, entertainment: $ 450
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 430 but will be paid off with this loan
??Other expenses: $ 120 to HSA account for medical
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $223.25
 
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-2000 Debt/Income ratio: 41%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 19 / 19Length of status:0y 7m
Credit score: 720-739 (Jul-2010) Total credit lines: 20 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $14,269Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 54%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: a-principal-turtle 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 Debt
I am trying to get myself out of the last bit of credit card debt I have left from college so that I can focus on paying Sallie Mae back. I have turned more to a cash-based system of purchasing - a system I did not have the luxury of utilizing while in college.

In recent years, I have not missed a payment and have rarely even payed simply the minimum, yet I still can't seem to climb out of the hole. Since college, I have taught myself to live a very minimalistic lifestyle which I have grown accustom to. By offer me a loan, you would be drastically improving my quality of life.

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 22.55% Starting borrower rate/APR: 23.55% / 25.84% Starting monthly payment: $389.97
 
Auction yield range: 7.93% - 22.55% Estimated loss impact: 7.53%  
Lender servicing fee: 1.00% Estimated return: 15.02%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-1992 Debt/Income ratio: 18%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 4Length of status:1y 10m
Credit score: 760-779 (Jul-2010) Total credit lines: 7 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,680Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 13%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: enrique326 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
fixing my floor and kitchen
Purpose of loan:
This loan will be used to? fix? my floor kitchen and cabinet in a house in puerto rico

My financial situation:
I am a good candidate for this loan because? have an excellent credit pay my bill on time

Monthly net income: $
3,500
Monthly expenses: $
??Housing: $ rent 717.00 monthly
??Insurance: $
??Car expenses: $ none
??Utilities: $
??Phone, cable, internet: $ 127.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ cell 69.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.23% Starting borrower rate/APR: 34.23% / 36.67% Starting monthly payment: $89.60
 
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: Aug-1989 Debt/Income ratio: 33%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 7 / 7Length of status:21y 9m
Credit score: 640-659 (Jul-2010) Total credit lines: 33 Occupation: Medical Technician
Now delinquent: 2 Revolving credit balance: $906Stated income:$25,000-$49,999
Amount delinquent: $342 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 71    
Screen name: candomanythings65 Borrower's state: Colorado Borrower's group: HARD MONEY LOANS
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2009)
640-659 (Oct-2008)
640-659 (Aug-2008)
620-639 (Jul-2008)
 
Principal balance: $2,091.38 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Personal loan request
Purpose of loan:
This loan will be used to? pay off recent medical bills and purchase tires for vehicles and replace clothes dryer.?

My financial situation:
I am a good candidate for this loan because? I currently have a prosper loan and have not been late on any payments.? I will have credit cards paid off completely at the end of this month.? Also I am trying to improve my credit rating.

Monthly net income: $
My income 2000.00
Spouse? 2600.00



Monthly expenses: $
??Housing: $? 955.00????
??Insurance: $ 250.00
??Car expenses: $ 254.00
??Utilities: $ 175.00????
??Phone, cable, internet: $? 300.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 418.00
??Other expenses: $

Please consider us for another loan.? We are truely grateful for the first loan we obtained with Prosper.? We are currently trying to rebuild our credit.?Thank you for any consideration to this loan request.



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1997 Debt/Income ratio: 20%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:7y 11m
Credit score: 720-739 (Jul-2010) Total credit lines: 25 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $6,669Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: liberty-shepherd9 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
Woody12
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 466903
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $166.07
 
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-2000 Debt/Income ratio: 17%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 16 / 14Length of status:2y 7m
Credit score: 720-739 (Jul-2010) Total credit lines: 36 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $2,242Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 49%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: supreme-gold4 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
Debt Consolidation
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 466909
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2006 Debt/Income ratio: 48%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 2 Occupation: Other
Credit score: 680-699 (Jul-2010) Total credit lines: 2Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $38 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: impressive-nickel3 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Vechile Repairs
Purpose of loan:
This loan will be used to? make repairs on our Dodge Grand Caravan. The motor has gone out and we feel it is a better option for our family finacially to fix the paid off van in lieu of creating another debt with a new vechile.

My financial situation:
I am a good candidate for this loan because? we are consistent on our?monthly payments and are debt free.

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 466915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.28% Starting borrower rate/APR: 9.28% / 11.38% Starting monthly payment: $95.79
 
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: Dec-1992 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Not employed
Enhanced (1-5):3 Current / open credit lines: 1 / 1Length of status:15y 3m
Credit score: 780-799 (Jul-2010) Total credit lines: 5Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $0 
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: well-rounded-platinum6 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 med. & paying off truck,
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?? I get $3500.00 in alamony
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466921
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 14.99% Starting borrower rate/APR: 15.99% / 18.17% Starting monthly payment: $175.76
 
Auction yield range: 10.93% - 14.99% Estimated loss impact: 10.34%  
Lender servicing fee: 1.00% Estimated return: 4.65%  
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-1995 Debt/Income ratio: 25%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 11Length of status:3y 6m
Credit score: 740-759 (Jul-2010) Total credit lines: 36 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $14,062Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: responsibility-sergeant Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to pay off credit cards with high interest rates.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time and have a great credit score.? I am simply looking to pay a lower interest rate than the current credit card rate I am paying now.

Monthly net income: $ 3,635

Monthly expenses: $
??Housing: $ 1306
??Insurance: $ 75
??Car expenses: $ 0
??Utilities: $?175
??Phone, cable, internet: $ 140
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 120
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1995 Debt/Income ratio: 21%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 0 / 0Length of status:3y 5m
Credit score: 660-679 (Jul-2010) Total credit lines: 35 Occupation: Analyst
Now delinquent: 3 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $333 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 8    
Screen name: Regansmom Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 87% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 4 ( 13% )  
640-659 (May-2010)
540-559 (Nov-2007)
540-559 (Oct-2007)
540-559 (Sep-2007)
 
Principal balance: $525.37 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Re-List #5 Paying off bills
Purpose of loan:
This loan will be used to?I am wanting to pay off the following bills: state income taxes - $688, federal income tax - $1825, my current prosper loan - $525.37 plus interest, personal prop tax - $320,? 5 doctor and 3 hospital?bills -?$1574. I am currently paying on my state income taxes ($52 and $72 each), federal income tax ($55), and my current proser loan ($91). The taxes I am currently paying are included in other expenses listed below. My hope is to consolidate these bills?to have one payment, which would help me out considerably.

My financial situation:
I am a good candidate for this loan because? I do have a current Prosper loan I am current with, I was late?4 times previously and have learned from those mistakes.?On being late, I make sure to to pay as quickly as possible and I try my best to fix my mistakes.??I will be getting a increase in my income from a promotion in July 2010?with my federal govt job, so my paycheck will be consistent. I have improved my credit score by 100 points since having my current Prosper loan. My current loan will be paid in full in Dec. 2010. My income will be able to take care of this payment for this loan. This question was on my last listing, I do not have any credit cards so this is why my revolving balance is zero. Please let me know if you have any questions and I?be happy to?answer them. Thank you for your time and consideration.

Monthly net income: $ 3163.00

Monthly expenses: $ 2036.00
??Housing: $ 870
??Car Insurance: $93?
??Car expenses: $ 160
??Utilities: $ 140
??Cable, internet: $122
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Prosper loan: $91
??Other expenses: $ 160
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $452.36
 
Auction yield range: 13.93% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: 42%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 20 / 18Length of status:4y 1m
Credit score: 660-679 (Jul-2010) Total credit lines: 36 Occupation: Other
Now delinquent: 0 Revolving credit balance: $43,013Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fervent-dinero0 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Adoption Loan for our first child
Purpose of loan:
This loan will be used to? A Loan for Adoption for our first baby. We are unable to have children biogicially so this is our only way to have a family which we have wanted since we got married in 2001. We both love kids and can't wait to have a family of our own. I love kids and I spend most of my free time babysitting when not at work.

My financial situation:
I am a good candidate for this loan because?It will be paid back within?2 years at most, We have $2000 from grants, we have the tax credit of 13,000. Unfortunatly we can't get the grants until the adoption is final. All extra money will be used to pay toward this loan. I hate to misdead lines and always make my payments on time and most of the time a week early just to make sure they are paid when they are due.

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $ 1013.00????
??Insurance: $ 100.00?
??Car expenses: $ 50.00????
??Utilities: $ $200.00
??Phone, cable, internet: $ $200.00????
??Food, entertainment: $?$100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.30% Starting borrower rate/APR: 34.30% / 36.74% Starting monthly payment: $224.20
 
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: Jul-2007 Debt/Income ratio: 18%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:3y 8m
Credit score: 660-679 (Jul-2010) Total credit lines: 7 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $4,702Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: unabashed-bazaar3 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
fix the attic
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 466951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1990 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 12Length of status:2y 5m
Credit score: 680-699 (Jul-2010) Total credit lines: 22 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $59,566Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: currency-superstar0 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
bathroom fixing
Purpose of loan:
Fixing bathrooms in the house. Leaky plumbing.

My financial situation:
I am a good candidate for this loan because I pay on time. My family has been down on its luck and I've had to support them, but the support has gotten out of control. It's time to cut it off and start building a cushion for myself and fix what needs to get fixed on my end.

Monthly net income: $ 7000

Monthly expenses: $
??Housing: $ 850
??Insurance: $ 100
??Car expenses: $ 150
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2500
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $185.82
 
Auction yield range: 16.93% - 19.00% Estimated loss impact: 20.06%  
Lender servicing fee: 1.00% Estimated return: -1.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1991 Debt/Income ratio: 25%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 9Length of status:19y 7m
Credit score: 600-619 (Jul-2010) Total credit lines: 60 Occupation: Other
Now delinquent: 0 Revolving credit balance: $4,016Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: smcdaniel35 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 97% ) 600-619 (Latest)
Principal borrowed: $1,500.00< 31 days late: 1 ( 3% )  
580-599 (Jul-2006)
540-559 (May-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Debt Pay-Off
Purpose of loan:
This loan will enable to pay off all of my debts (credit cards) with the exception of my home and one vehicle.

My financial situation:
This loan would reduce $500 a month in CC debt to one $185 payment and help me improve my credit score.

Monthly net income: $ 5000

Monthly expenses: $
??Housing: $ 691
??Insurance: $ 300
??Car expenses: $ 571
??Utilities: $?300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 500
??Credit cards and other loans: $?500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1994 Debt/Income ratio: 50%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 9Length of status:11y 5m
Credit score: 700-719 (Jul-2010) Total credit lines: 52 Occupation: Other
Now delinquent: 0 Revolving credit balance: $16,393Stated 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: bid-elation Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation loan
Purpose of loan:
This loan will be used to? pay off high intrest credit cards

My financial situation:
I am a good candidate for this loan because??I have been on my job for 10 years and always pay my bills on time. I pride myself on having good credit. I would also like to pay all my debt off? less than?4 to?5 years.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $900
??Insurance: $50
??Car expenses: $130?
??Utilities: $70?
??Phone, cable, internet: $ 70
??Food, entertainment: $ 100
??Clothing, household expenses $ 40?
??Credit cards and other loans: $?600?
??Other expenses: $40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-2000 Debt/Income ratio: 49%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 10Length of status:6y 2m
Credit score: 680-699 (Jul-2010) Total credit lines: 21 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $19,260Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: durability-ally Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards.
Purpose of loan:
This loan will be used to?
To pay off credit cards
My financial situation:
I am a good candidate for this loan because? I pay my bills on time and have a Fico score of 700

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1,000
??Insurance: $ 150
??Car expenses: $485.00
??Utilities: $50.00
??Phone, cable, internet: $155.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $1,000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1995 Debt/Income ratio: 15%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:0y 8m
Credit score: 640-659 (Jul-2010) Total credit lines: 28 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $23,702Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: sparkie_77 Borrower's state: California Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
I would like to consolidate my credit card debt under one payment.

My financial situation:
I am a good candidate for this loan because my income is 100k+ and am paying down debt. Credit cards currently sit in a drawer and we pay cash for everything except major purchases like vacations or a house repair.

Monthly net income: $ 8000

Monthly expenses: $
??Housing: $ 2500
??Insurance: $ 1500
??Car expenses: $ 400
??Utilities: $ 85
??Phone, cable, internet: $ 400
??Food, entertainment: $ 150
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466981
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2000 Debt/Income ratio: 18%
Basic (1-10): 2 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 4Length of status:0y 6m
Credit score: 700-719 (Jul-2010) Total credit lines: 19 Occupation: Civil Service
Now delinquent: 2 Revolving credit balance: $566Stated income:$25,000-$49,999
Amount delinquent: $24,295 Bankcard utilization: 26%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 9    
Screen name: famous-dollar 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because I have the necessary income to repay the loan over the 36 month term of the loan. I could use this loan to pay off the 2 delinquent debts faster then I currently am paying and repair my credit score.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 3500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 13.93% - 34.00% Estimated loss impact: 15.57%  
Lender servicing fee: 1.00% Estimated return: 18.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1982 Debt/Income ratio: 36%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 22 / 21Length of status:6y 6m
Credit score: 660-679 (Jul-2010) Total credit lines: 53 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $91,432Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: likeable-worth4 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 card for good
Purpose of loan:
This loan will be used to pay off debt accumulated over years of due to medical reasons.? I had major back surgery in 2005 and had to pay the medical bills that insurance did not cover.? I was caught in a strange position when my company changed names and thus had to change insurance so I had to meet 2 caps of 5K each and all the above customary charges allowable by insurance.? My son is also a dwarf and I had major medical expenses for him that were not covered by insurance.? Unfortunately the insurance company has not been kind with his medical expense.? The last several years have been difficult with the medical expenses and my mom passing away and having to pay for her funeral.? However all the surgeries are behind me and I have to say it was successful and my son is doing good.? I have been concentrating on workind very hard to pay off my debt and get to that magical credit score of over 750 that I would like to achieve. Paying off most of the cards will greatly improve my credit score and save me money only making one payment.? I would be so grateful it you would consider a loan and would not let anyone down.
My financial situation:
I am a good candidate because I am responsible and despite all the payments I?have I make them timely.? I will be getting a raise this next year as well as a bonus and will try to pay off my loan as quickly as possible.? This loan will improve my financial condition greatly. I a trying really hard to get our from under these expenses.? I am not adding to my debt except for college education for my children and that will be deferred till after they graduate in 2015.

Monthly net income: $ 7500.00

Monthly expenses: $
??Housing: $ 2095.00
??Insurance: $?250.00
??Car expenses: $?500.00
??Utilities: $ 200,00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 700.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $?2500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,700.00 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: $257.85
 
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: Jul-1995 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 4Length of status:3y 3m
Credit score: 660-679 (Jul-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 3 Revolving credit balance: $1,756Stated income:$25,000-$49,999
Amount delinquent: $13,697 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 4    
Screen name: brianbabyak 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
Putting in new Hardwood Floors
Purpose of loan: Adding hardwood floors to my main floor
This loan will be used to?Purchase hardwood flooring material.

My financial situation: I am the General Manager of The Home Theater Store and business is great. I'm not late on any bills currently and am ready to start upgrading my house
I am a good candidate for this loan because?As the General Manager for the Home Theater Store I have a carpenter on staff and he is going to install my hardwood floors. I save on all labor for the project and maximize my return on investment.

Monthly net income: $4400

Monthly expenses: $2779
??Housing: $1150
??Insurance: $42
??Car expenses: $55
??Utilities: $350
??Phone, cable, internet: $157
??Food, entertainment: $400
??Clothing, household expenses $150
??Credit cards and other loans: $125
??Other expenses: $350
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466993
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $258.44
 
Auction yield range: 16.93% - 24.00% Estimated loss impact: 19.38%  
Lender servicing fee: 1.00% Estimated return: 4.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1988 Debt/Income ratio: 16%
Basic (1-10): 4 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:0y 10m
Credit score: 640-659 (Jul-2010) Total credit lines: 18 Occupation: Accountant/CPA
Now delinquent: 1 Revolving credit balance: $6,219Stated income:$50,000-$74,999
Amount delinquent: $68 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: mchoreography 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 to pay off all of my credit cards and have one payment

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

Monthly net income: $2956

Monthly expenses: $
??Housing: $700.00
??Insurance:$200?
??Car expenses: $ 100
??Utilities: $100
??Phone, cable, internet: $125
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $185?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467013
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 10.93% Starting borrower rate/APR: 11.93% / 14.06% Starting monthly payment: $199.09
 
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: Mar-1991 Debt/Income ratio: 13%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 3Length of status:12y 1m
Credit score: 680-699 (Jul-2010) Total credit lines: 32 Occupation: Clerical
Now delinquent: 0 Revolving credit balance: $9,560Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: treasure-star8 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wanting to consolidate
Purpose of loan:
This loan will be used to?
conslidate bills and close accounts
My financial situation:
I am a good candidate for this loan because?? I care about my credit and want it to keep improving, I had problems over 6 years ago but have
kept everything on track since then. I just started my 12th year at my job so I am very dependable and trustworthy I make an hourly wage over $17.00. My spouse pays all housing expenses. I have an adopted son who is the light of my life and I want to keep things on track so I am able to give him what he deserves.

Monthly net income: $
2600.00
Monthly expenses: $
??Housing: $ provided
??Insurance: $ provided
??Car expenses: $ gas 200.00 month
??Utilities: $ provided
??Phone, cable, internet: $100.00 cell?
??Food, entertainment: $?150.00
??Clothing, household expenses $ 400.00?
??Credit cards and other loans: $150.00?
??Other expenses: $ spouse provides
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 19.88% Starting borrower rate/APR: 20.88% / 23.13% Starting monthly payment: $131.65
 
Auction yield range: 7.93% - 19.88% Estimated loss impact: 7.46%  
Lender servicing fee: 1.00% Estimated return: 12.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 6%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 4 / 3Length of status:2y 2m
Credit score: 780-799 (Jul-2010) Total credit lines: 11 Occupation: Social Worker
Now delinquent: 1 Revolving credit balance: $4,149Stated income:$25,000-$49,999
Amount delinquent: $463 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: asset-dissector8 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
Looking to pay off and close credit
Purpose of loan:
This loan will be used to? pay off a Citi credit card I used when purchasing my first condo/apartment to pay for some necessary items.? I racked up about $4,000 but I now owe about $3500.

My financial situation:
I am a good candidate for this loan because? I only have one credit card that I use responsibly.? I pay it off on time, but I would rather have someone on Prosper make money than Citi.? I have a stable, government job and am a permanent (tenured) employee.

Monthly net income: $ 3000 ($2300 after tax for income; $700 from rent)

Monthly expenses: $ 2100
??Housing: $ 1150
??Insurance: $ 0
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 150
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 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: Jul-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 2 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 13 / 11Length of status:5y 5m
Credit score: 680-699 (Jul-2010) Total credit lines: 27 Occupation: Other
Now delinquent: 0 Revolving credit balance: $34,062Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: loot-sanctuary1 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying down credit cards
Purpose of loan:
This loan will be used to? pay off 1 credit cards and balance transfer the other for lower interest

My financial situation:
I am a good candidate for this loan because? I have good credit just too much right now????????????

Monthly net income: $ between 10000 and 16000????????

Monthly expenses: $
??Housing: $ 1016
??Insurance: $ 390
??Car expenses: $1500
??Utilities: $ 500
??Phone, cable, internet: $700
??Food, entertainment: $ 500
??Clothing, household expenses $100?????
??Credit cards and other loans: $ 2000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 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: 36.51%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-2001 Debt/Income ratio: 28%
Basic (1-10): 1 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 5 / 5Length of status:7y 1m
Credit score: 640-659 (Jul-2010) Total credit lines: 11 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $4,892Stated income:$25,000-$49,999
Amount delinquent: $372 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: gold-magnifico Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to? make improvements to my home

My financial situation:
I am a good candidate for this loan because? I have always fulfilled my loan obligations as you can see by my credit report.

Monthly net income: $ 2650

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467043
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 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: Feb-1990 Debt/Income ratio: 12%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:6y 1m
Credit score: 620-639 (Jul-2010) Total credit lines: 14 Occupation: Sales - Commission
Now delinquent: 3 Revolving credit balance: $1,934Stated income:$50,000-$74,999
Amount delinquent: $5,120 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: Maliken 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: 18 ( 78% ) 620-639 (Latest)
Principal borrowed: $1,900.00< 31 days late: 5 ( 22% )  
520-539 (Jul-2008)
 
Principal balance: $0.16 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Paying off some remaining debt
Purpose of loan:
This loan will be used to pay off some outstanding debt between a few cards to become free and clear. Being able to pay these off will help drive my credit card up quickly.

My financial situation:
I am a good candidate for this loan because my income is good and should be able to pay this loan off early as?I did my last loan. I don't have a lot of overhead and just need to take care of these few outstanding expenses.
Monthly net income: $ 4600

Monthly expenses: $
??Housing: $?600
??Insurance: $ 100
??Car expenses: $ 250????
??Utilities: $ 0????
??Phone, cable, internet: $ 45????
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?600 (which will get reduced)
??Other expenses: $ 300????
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467085
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,800.00 Prosper Rating: 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: $194.03
 
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: Sep-1991 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: 22 / 21Length of status:8y 6m
Credit score: 660-679 (Jul-2010) Total credit lines: 47 Occupation: Other
Now delinquent: 0 Revolving credit balance: $24,820Stated 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: blue-reverent-funds 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
Acupuncture School Loan
Purpose of loan:
This loan will be to pay the remaining balance of my tuition for acupuncture school. The school is not eligible for Sallie Mae lending programs, and I am working a second job to pay tuition. This loan will fill the gap between the tuition due and what I have earned through my extra work.

My financial situation:
I am a good candidate for this loan because I am never late with payments, and I am a self-employed, hard-working, ethical and responsible. I have a high amount of debt as I successfully expanded my fitness business last year, but am turning a steady profit. I am excited about obtaining a license in acupuncture to offer another service in the business I have built and grown the last 8.5 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 458540
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.33% Starting borrower rate/APR: 26.33% / 28.65% Starting monthly payment: $80.93
 
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: Dec-1998 Debt/Income ratio: 25%
Basic (1-10): 8 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 15Length of status:6y 6m
Credit score: 640-659 (Jul-2010) Total credit lines: 28 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $29,128Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: sharp-money 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
My personal loan
Purpose of loan:
This loan will be used to by some much needed tires on my car and pay off a couple of credit cards

My financial situation:
I am a good candidate for this loan because I have not been late on my payments.? My Utilization is so high, because many of my credit cards slashed our available credit lines by 50% or more.? This ballooned our utilization percentage to the point it?is now.? The payment on this loan will be the difference between the leased vehicle I am about to turn in and the used car payment I just purchased this week, so the payment does not increase our cash outlay.? My current score from MyFico.com on July 13th was 656.? This should significantly increase in the next 6 months, as some other debt is payed off or decreases.

Monthly net income: $ 6667.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 11.30% Starting monthly payment: $191.36
 
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: Aug-1992 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 10Length of status:7y 11m
Credit score: 760-779 (Jul-2010) Total credit lines: 36 Occupation: Professor
Now delinquent: 0 Revolving credit balance: $51,683Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: tough-payment1 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit chards
Purpose of loan:
This loan will be used to pay off my credit card debt.

My financial situation:
I am a good candidate for this loan because I have never been delinquent in any payments, have a good credit report, a stable job as a college professor with tenure.?I incurred this credit card debt largely as a result of when my wife had to take an extended leave of absence after having our second child.? We are now in a position by which we can pay this debt off completely.

Monthly net income: $ 5500

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 135
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466652
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
 
Auction yield range: 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-2002 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 12 / 9Length of status:6y 2m
Credit score: 640-659 (Jun-2010) Total credit lines: 23 Occupation: Other
Now delinquent: 0 Revolving credit balance: $4,741Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: green-inspiring-p2p 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
Debt Consolidation
Purpose of loan:
This is to pay off my debt and get my credit score back on track
My financial situation:
My current situation is Im 26yrs old?and struggling to keep a float. My boyfriend just started working and isn't getting paid yet. I need all the help I can get so I can get back?on my feet.?

Monthly net income: $
1500
Monthly expenses: $
??Housing: $ 345
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 20
??Phone, cable, internet: $ 20
??Food, entertainment: $?50
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466664
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 23.55% Starting borrower rate/APR: 24.55% / 26.85% Starting monthly payment: $988.06
 
Auction yield range: 7.93% - 23.55% Estimated loss impact: 7.56%  
Lender servicing fee: 1.00% Estimated return: 15.99%  
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-1988 Debt/Income ratio: 26%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:3y 10m
Credit score: 780-799 (Jul-2010) Total credit lines: 20 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $21,930Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: orange-cozy-asset 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
Loan to help purchase a franchise
Purpose of loan:
This loan will be used to? add to my own funds to purchase a franchise. The franchiser is Fast-Teks On-site Computer Services, based in Florida, USA. They are a highly rated franchiser. My own research has not turned up any negative comments nor complaints concerning this business.

My financial situation:
I am a good candidate for this loan because? I have business experience, having run a business as a sole proprietor and as the President and owner of a "C" corporation. I have been in the Technology field for nearly 30 years, with lots of experience in managing other techs. My current salary, coupled with my wife's salary, gives me more than the monthly amount indicated so far on this loan application. I plan to continue working my full time job while building the franchise business.

Monthly net income: $ 7721.24

Monthly expenses: $
??Housing: $ 1337.26
??Insurance: $ 113.00
??Car expenses: $ 500.00
??Utilities: $ 280.00
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 450.00
??Clothing, household expenses $ 330.00
??Credit cards and other loans: $ 1200.00
??Other expenses: $ 1500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1988 Debt/Income ratio: 14%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 5Length of status:0y 4m
Credit score: 720-739 (Jul-2010) Total credit lines: 19 Occupation: Accountant/CPA
Now delinquent: 2 Revolving credit balance: $613Stated income:$25,000-$49,999
Amount delinquent: $152 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 45    
Screen name: five-star-funds1 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
Root Canal
Purpose of loan:
This loan will be used to fix my teeth

My financial situation:
I am a good candidate for this loan because my credit and intentions/ability to pay are much better than my rating. Any delinquencies happened 6+ years ago or are incorrectly listed on my report. My job is new but solid. My teeth really need work and I have to pay up front.

I also would like to use a small portion to pay down high interest debt.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 40
??Car expenses: $0
??Utilities: $ 40
??Phone, cable, internet: $50
??Food, entertainment: $ 500
??Clothing, household expenses $200
??Credit cards and other loans: $ 800
??Other expenses: $ remaining
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466682
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.20% Starting borrower rate/APR: 10.20% / 12.31% Starting monthly payment: $275.07
 
Auction yield range: 3.93% - 9.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-2000 Debt/Income ratio: 5%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:4y 2m
Credit score: 760-779 (Jul-2010) Total credit lines: 20 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $97,559Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: note-samaritan 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: 8 ( 100% ) 760-779 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
780-799 (Oct-2009)
800-819 (Aug-2009)
 
Principal balance: $8,120.31 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Re-fi Prosper loan
Purpose of loan:
I?am using this loan to re-finance my current Prosper loan.
My financial situation:
I have an excellent standing on my payment status. I am an RN. I have a very good, well-paid job. I want to be practical and get a better rate on my current loan. I plan to pay off this loan that I am applying under 27 mos which is the current balance that I have on my current loan. I want to give all your money back as soon as I can to show my appreciation on all your trust. This is the only outstanding loan that I have that weighs me down. The revolving credit showing on my profile is tied up with our mortgage. It is a long-term commitment that we are embracing and no plan to walk away. Paying off my Prosper loan is very important to?me because I?plan to go on a good overseas vacation by 2013. It will be a celebratory?trip from credit cards/loans.
Thank you everyone.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466688
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,130.90
 
Auction yield range: 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: Jan-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 10 / 10Length of status:4y 2m
Credit score: 700-719 (Jul-2010) Total credit lines: 38 Occupation: Other
Now delinquent: 2 Revolving credit balance: $4,312Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 53%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: tower6 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
business start up
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 466700
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.73% Starting monthly payment: $67.85
 
Auction yield range: 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-1999 Debt/Income ratio: 25%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 4 / 3Length of status:7y 11m
Credit score: 640-659 (Jul-2010) Total credit lines: 4 Occupation: Teacher's Aide
Now delinquent: 0 Revolving credit balance: $833Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: schoolteacher1234 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto
Purpose of loan:
This loan will be used to pay off my car repairs
My financial situation:
I am a good candidate for this loan because?I pay all my bills on time and am never late. I have learned in the past that credit is very important and I have been working very hard to get my credit into great shape. I must be doing something right because I quilifyed to buy my first house. I will not let you down with this loan. My goal is to use this money to pay off?my car repairs.
Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 678
??Insurance: $ 60
??Car expenses: $338.00
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 0
??Other expenses: $ 500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466712
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
Auction yield range: 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-1999 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 2 / 1Length of status:2y 9m
Credit score: 640-659 (Jul-2010) Total credit lines: 40 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $160Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 7    
Screen name: exuberant-fairness 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
Single Dad of 4 Paying for college
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.01% Starting borrower rate/APR: 20.01% / 23.79% Starting monthly payment: $37.17
 
Auction yield range: 7.93% - 19.01% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 12.07%  
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: Apr-1975 Debt/Income ratio: 64%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 11Length of status:6y 0m
Credit score: 680-699 (Jul-2010) Total credit lines: 47 Occupation: Administrative Assi...
Now delinquent: 1 Revolving credit balance: $10,464Stated income:$25,000-$49,999
Amount delinquent: $174 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: alanis57 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
Expand Business
Purpose of loan:
In addition to my full-time job I have a part-time job preparing?transcripts to be filed with the?Court of Appeals.? I would like to upgrade my computer equipment to better accommodate this.? ?

My financial situation:
I am a good candidate for this loan because I have a steady full-time job and I am trying to increase my earning potential with my part-time job.? My husband and I?owned our own business for 30 years which we had to close down due to the ecomony.??We are both working hard to try and recover from this loss.? In addition to my net income listed below from my full-time job I make between $600.00 to $1,000.00 per month from my part-time job.? I have the ability to repay this loan and will certainly do so.

Monthly net income: $ 3100

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466724
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 26.33% Starting borrower rate/APR: 27.33% / 29.67% Starting monthly payment: $266.52
 
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: Jun-2001 Debt/Income ratio: 27%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 19 / 19Length of status:9y 4m
Credit score: 660-679 (Jul-2010) Total credit lines: 31 Occupation: Scientist
Now delinquent: 0 Revolving credit balance: $48,443Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 82%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fund-implementer 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
Help to payoff
Purpose of loan:
This loan will be used to pay high interest credit cards.

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 466730
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-2009 Debt/Income ratio: Not calculated
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:3y 7m
Credit score: 700-719 (Jul-2010) Total credit lines: 2 Occupation: Other
Now delinquent: 0 Revolving credit balance: $358Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ngono63 Borrower's state: Georgia Borrower's group: 1 4 Auto Homes Trucking related borrowing &amp; lending
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Loan

Purpose of loan:
Purchase an Auto and build credit at the same time?

My financial situation:
I am a good candidate for this loan because?
?I have enough income and savings to pay my bills on time
Monthly net income: $2705

Monthly expenses: $1795
??Housing: $525
??Insurance: $70
??Car expenses: $110
??Utilities: $110?
??Phone, cable, internet: $155
??Food, entertainment: $300?
??Clothing, household expenses $ 200
??Credit cards and other loans: $150?
??Other expenses: $175
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466736
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $250.69
 
Auction yield range: 2.93% - 7.00% Estimated loss impact: 1.50%  
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-1994 Debt/Income ratio: 12%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:3y 8m
Credit score: 800-819 (Jul-2010) Total credit lines: 37 Occupation: Engineer - Electric...
Now delinquent: 0 Revolving credit balance: $4,989Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 12%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: auromed Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 18 ( 100% ) 800-819 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
740-759 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Credit Card, Business & Travel loan
Purpose of loan:
This loan will be used for a couple purposes...

- I have a couple small balances on credit cards that I want to get rid of. ($800 -Chase, and $4000 - Amex)
- I am having a learning website developed and would like to not put the rest of the development costs on a credit card. I've spent $800 on it so far, and expect another $500 or so will be needed.
- I am planning a trip to China with a friend and his mother who is attending a cancer research conference there.


My financial situation:
I am a good candidate for this loan because my credit history and debt ratio shows that I will pay my bills, and will in all likelihood pay this off early. I'm just going the prosper route at the moment, because I am still building my savings back up after buying a new home last August, and incurring all the related expenses.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $904.72
 
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-2003 Debt/Income ratio: 49%
Basic (1-10): 3 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 8Length of status:6y 11m
Credit score: 620-639 (Jul-2010) Total credit lines: 20 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $12,172Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 73%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: Zyff Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 88% ) 620-639 (Latest)
Principal borrowed: $7,500.00< 31 days late: 3 ( 12% )  
620-639 (May-2010)
600-619 (Dec-2009)
600-619 (May-2008)
600-619 (Mar-2008)
 
Principal balance: $2,675.15 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
A fresh start for my family and I
Purpose of loan:
This loan will be used to pay off all of my families remaining debts and to help us move to the D.C. area.? It is an expensive area and moving across the country and getting into a new house costs a bit of money.

This loan would allow me and my family to make our move and start our new lives with only this one debt, and it would be more than affordable on my income.

My financial situation:
I am a good candidate for this loan because I have become increasingly better with the family finances, have been improving my credit score, and have never missed a payment nor filed for a bankruptcy.? I am active duty military, so I have a steady job with regular pay increases, so I will always have a way pay my loan.

Additionally, once my wife is done with her degree (end of 2011) and finds a new job, we will have that additional income to assist us.

Monthly net income: $ 5150.00

Monthly expenses: $
??Housing: $ 1445.00
??Insurance: $ 230.00
??Car expenses: $?150.00
??Utilities: $ 350.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 1350.00 (This would drop to about $960 with this loan once the rest are all paid off.? Also, I make double payments on some of these.)(Two of these are car loans.)
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,900.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 23.51% Starting borrower rate/APR: 24.51% / 26.81% Starting monthly payment: $312.06
 
Auction yield range: 7.93% - 23.51% Estimated loss impact: 9.06%  
Lender servicing fee: 1.00% Estimated return: 14.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1998 Debt/Income ratio: 10%
Basic (1-10): 4 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:3y 9m
Credit score: 760-779 (Jul-2010) Total credit lines: 7 Occupation: Waiter/Waitress
Now delinquent: 0 Revolving credit balance: $556Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 2%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: fsswim1 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 loan for home improvement
Purpose of loan:
Live with my parents, they remodeled their bathroom a while back.? The was a leak and tiles were cracking so we did an inspection.? They didn't seal the floor properly and water got into the structure and they didn't get a permit for the plumbing.? There's mold behind the wall and the pipes leak. City inspector asked us to tear it down and re-do the plumbing.? Have a great contractor ready but need the funding while we fight to get our money back.? Nothing fancy just a usable bathroom that's mold free.

My financial situation:
Have $25,000 available in credit cards but rather not use due to high APR and $10,000 saving, but for emergencies only.
Working steady for 10 years.
Haven't missed a payment on anything, not even a parking ticket, in 8 years.
Banking with Bank of America for 13 years but they no longer offer personal loans due to the credit crisis.

Monthly net income: $
$3,257
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 68.00
??Car expenses: $ 120.00
??Utilities: $ 60.00
??Phone, cable, internet: $57.00
??Food, entertainment: $250.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 187.00
??Other expenses: $125.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 1.5%  
   
 
Starting lender yield: 5.00% Starting borrower rate/APR: 6.00% / 6.34% Starting monthly payment: $121.69
 
Auction yield range: 2.93% - 5.00% Estimated loss impact: 1.49%  
Lender servicing fee: 1.00% Estimated return: 3.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1991 Debt/Income ratio: 20%
Basic (1-10): 9 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 6Length of status:7y 2m
Credit score: 820-839 (Jul-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $4,834Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 9%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: income-starter0 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 for college
Purpose of loan:
This loan will be used to? college and other bills

My financial situation:
I am a good candidate for this loan because? as you can see?i have a great credit score and i pay off my debts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 7.95% Starting borrower rate/APR: 8.95% / 11.04% Starting monthly payment: $381.32
 
Auction yield range: 7.93% - 7.95% Estimated loss impact: 7.16%  
Lender servicing fee: 1.00% Estimated return: 0.79%  
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: Jun-2000 Debt/Income ratio: 29%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 14 / 13Length of status:5y 11m
Credit score: 780-799 (Jul-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $13,875Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: economy-sorcerer9 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards.

My financial situation:
I am a good candidate for this loan because I have very secure job. I have never missed a credit card payment and always paid over the minimum. Just want to be debt free (excluding my mortgage) in 3 yrs instead of 4-5 yrs.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466822
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,150.00 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: $167.76
 
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: Oct-2007 Debt/Income ratio: 11%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:6y 6m
Credit score: 680-699 (Jul-2010) Total credit lines: 6 Occupation: Other
Now delinquent: 0 Revolving credit balance: $2,284Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: visionary-loot Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Just want to be with the man I love
Purpose of loan:
This loan will be used to?To pay off a few debts then he can buy a plane ticket to be with me and we can get married. This is our chance for happiness.? I have been a widow for 12 years and I am ready to happy and married again. We really love each and we just want to be together.? But for us to be together we need a little help getting there.? We have already cut back and asking for less.?
My financial situation:
I am a good candidate for this loan because??I have no?children at home.? I live by myself, so my needs are not high.? I work from home for my company so I don't have car expense other then?gas for a month for?local travel.? I am able to work overtime so I can make more then my normal net income.??Once he is able to get here, then we will have two incomes and this can be paid back easily.?

Monthly net income: $ 1600.00

Monthly expenses: $ 1052..00
??Housing: $ 232.
??Insurance: $ 50
??Car expenses: $ 20
??Utilities: $ 100
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $127.35
 
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: Feb-2007 Debt/Income ratio: Not calculated
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 2Length of status:2y 1m
Credit score: 680-699 (Jul-2010) Total credit lines: 8 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: first-bonus-balance Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying For College
Purpose of loan:
This loan will be used to pay for my college. I want a loan that I can pay off monthly that has a lower than average interest rate.

My financial situation:
I am a good candidate for this loan because I have a steady job, I'm a hard worker, and I'm about to graduate from school.

Monthly net income: $ 1050

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 75
??Car expenses: $ 50
??Utilities: $ 0
??Phone, cable, internet: $ 40
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 24.37% Starting monthly payment: $392.33
 
Auction yield range: 2.93% - 23.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 21.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1988 Debt/Income ratio: 10%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 16Length of status:15y 8m
Credit score: 820-839 (Jul-2010) Total credit lines: 47 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $2,301Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: majestic-note 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
CrossFit Affiliate (gym)
Purpose of loan:
This loan will be used to provide additional start up funding for a CrossFit gym.

My financial situation:
I am a good candidate for this loan because I believe in the Prosper (peer to peer) model, and have recently started an investment account with Prosper.? My credit score is above 800, and I've had no collections or delinquencies ever.? My bills are paid on time, every time. The purpose of this loan is to assist with start up capital for my CrossFit affiliate. To date, I have personally invested approximately $6k into start-up costs. CrossFit is an exercise program of constantly varied, functional movements, executed at a high intensity.? Despite my high credit scores, I am willing to take a loan a higher interest rate.? Following growth of other CrossFit affiliates within 25 miles of my proposed location, I anticipate my affiliate being self-sufficient within 8-12 months.? Monthly rental/utility expenses will be $1800, and the monthly membership rate is $150.? At 20 members I will cover rent, utilities, loan payments, and still have additional funds.? It is anticipated that the gym will open with 5-15 members.? Proposed start date is September 1, 2010.? The location I have leased is on a main road with plenty of traffic, and the median household income of the town it's located in is $69,637.? I welcome any questions regarding this loan, and in advance, thank those that choose to invest.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,200.00 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: $229.63
 
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-1997 Debt/Income ratio: 33%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 6Length of status:6y 1m
Credit score: 740-759 (Jul-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: handy-return8 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
The purpose of this loan is to pay off credit cards. I am a good candidate since I am fully employed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466858
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $407.12
 
Auction yield range: 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-2004 Debt/Income ratio: 14%
Basic (1-10): 5 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:0y 1m
Credit score: 660-679 (Jul-2010) Total credit lines: 10 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $2,137Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 59%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: leverage-poblano 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 debt into one payment
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 466876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $271.42
 
Auction yield range: 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: Jan-1998 Debt/Income ratio: Not calculated
Basic (1-10): 1 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 5Length of status:10y 11m
Credit score: 700-719 (Jul-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $1,415Stated income:$25,000-$49,999
Amount delinquent: $385 Bankcard utilization: 78%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: useful-revenue4 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
GREAT CREDIT!!! LOAN WORTHY
Purpose of loan:
This loan will be used for debt consolidation. This loan will be used to pay off HIGH interest credit cards, I would rather pay the loan amount and interest to lenders on Prosper. It will also be used to pay my hospital bills from the recent birth of my daughter. I have paid off a few but am now recieving other medical bills I was not aware of.
My finacial situation:
I am a great candidate for this loan because ...........I am seeking the funding simply as a way to lower my cost of credit as I take action to reduce my overall debt level. The funds that would be provided by this loan would be part of a process of operating more efficiently and effectively financially. I am very trust and credit worthy. The one delinquency listed is unfortunately due to co-signing for a relative who was not so responsible. I currently pay $500 a month for both medical and credit card debt. There would be no issues what so ever paying back this loan, probably even earlier than the 36 month term.?Payment will be taken directly from my checking account through Electronic Funds Tranfer (EFT) every month.

This is my first loan request through prosper and hope to find that this process of peer to peer lending really works. If anyone has any questions, please feel free to ask.

I believe in the circle of life, if I am helped I will return the favor?via peer to peer lending.

Monthly Gross Income:???? $3400



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.7%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $104.00
 
Auction yield range: 13.93% - 14.00% Estimated loss impact: 15.30%  
Lender servicing fee: 1.00% Estimated return: -1.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1997 Debt/Income ratio: 100%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 9Length of status:3y 11m
Credit score: 620-639 (Jul-2010) Total credit lines: 37 Occupation: Other
Now delinquent: 0 Revolving credit balance: $29,911Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: quark524 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2009)
 
Principal balance: $0.87 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Remodel my kitchen
Purpose of loan:
This loan will be used to?
Remodel my kitchen
My financial situation:
I am a good candidate for this loan because?
I am a hard working person
Monthly net income: $
980.00 ( Husband income 2400.00 )
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 530.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466894
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.33% Starting borrower rate/APR: 26.33% / 28.65% Starting monthly payment: $149.73
 
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: 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 466912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.33% Starting borrower rate/APR: 26.33% / 28.65% Starting monthly payment: $80.93
 
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-1986 Debt/Income ratio: 26%
Basic (1-10): 7 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 12 / 10Length of status:21y 9m
Credit score: 700-719 (Jul-2010) Total credit lines: 47 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $51,219Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: AAAInvestments 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
Emergency Vehicle Repairs
Purpose of loan:
Payoff Emergency Transmission repairs

My financial situation:
I am a good candidate for this loan because because I pay on time.
Never had a BK

Monthly net income: $ 9459

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 1000
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $ 250
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000
??Credit cards and other loans: $ 3000
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466918
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,600.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 9.20% Starting borrower rate/APR: 10.20% / 12.31% Starting monthly payment: $278.31
 
Auction yield range: 3.93% - 9.20% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.08%  
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: Sep-1996 Debt/Income ratio: 28%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 8Length of status:1y 10m
Credit score: 780-799 (Jul-2010) Total credit lines: 46 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $22,507Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: michaelpr1022 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off another P2P loan
Purpose of loan:
This loan will be used to pay off another peer-to-peer loan.

My financial situation:
My student loans were transferred to fixed rates for life except one which is currently w/ another P2P site.? I have been paying on this P2P loan for exactly 1 year and want to refinance it for another 3 years in order to free up cash to tackle the bigger student loan.?I have never missed a payment and I take pride in my excellent credit score and history. Monthly take home pay: $3,475. Debt: $23,000 Chase [$13K @ 4.99% fixed for life and $10.0K @?3.99% fixed for life]. $14K Bank of America @ 5.99% fixed for life. $5K Advanta @ 2.99% fixed for life.? $2K Discover @ 0% fixed for life. Budget: $1,827 mortgage; $883 Chase; $358 P2P; $175 Bank of America; $125 Advanta; $60 Discover; $47 term life insurance policy of $500K which would be used to pay off my student loans if something happens.??I have $97K?in mutual funds?and my job is?stable. My goal is to have Chase student loan paid off by June 2011.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466930
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 28.33% Starting borrower rate/APR: 29.33% / 31.70% Starting monthly payment: $105.21
 
Auction yield range: 10.93% - 28.33% Estimated loss impact: 10.71%  
Lender servicing fee: 1.00% Estimated return: 17.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1993 Debt/Income ratio: 33%
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 9 / 8Length of status:0y 9m
Credit score: 660-679 (Jul-2010) Total credit lines: 39 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $43,652Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 103%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: cognizant-wampum 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
Advance on bonus/stocks
Purpose of loan:
This loan will be used to pay off a credit card and high interest loan

My financial situation:
I have recently left a company that ended up going bankrupt and leaving me to pay $3,000 in expenses.? I was also not given my last three paychecks.? My debt has accumulated since that company never paid me bonuses that were promised and written into my job offer.? My current company has a stock grant program but my stock won't vest until July 2011.? I am looking for a short term loan to pay off some high interest debt so that I can get ahead of my finances.? In addition to the stock grant that will vest I am eligible for a 20% bonus in March that I will use to pay this off sooner.?

The issue here is short term cash flow between now and my bonus which I get in March.? Notice I have no delinquencies on my credit and have worked very hard to pay all of my creditors despite losing over $50,000 in pay (bonuses and paychecks that I never received).

Please help me through this short term issue that my former employer has put me in.? Thank you!

Monthly net income: $ 7750

Monthly expenses: $ 6100
??Housing: $ 2000
??Insurance: $ 150
??Car expenses: $ 1100
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 800
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1100
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,100.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 23.33% Starting monthly payment: $40.82
 
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-1991 Debt/Income ratio: 35%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:3y 1m
Credit score: 680-699 (Jul-2010) Total credit lines: 31 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $39,007Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dedicated-responsibility1 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto transmission
Purpose of loan:
This loan will be used to make a purchase of a transmission & installation for my work vehicle. My job requires me to travel throughout west coast & my mechanic has said it would be prudent to change the transmission with as many miles as it has (197k) & with all the driving I do. I love my car a '97 BMW?& have researched to find a good deal on a good rebuilt?transmission. Dealer purchase could cost as much as $2500, not inlcuding labor. I located a local dismantler that has one in excellent?condition for $875.?I just need a small loan to jump on the opportunity as O do not want to use anymore credit cards.

My financial situation:
I am a good candidate for this loan because I am?a dependable, responsible individual. I?have a stable good paying job?in the IT industry.?I have a great track record of paying on time. I anticipate paying this loan quickly.

Monthly net income: $ 3325

Monthly expenses: $ 1540
??Housing: $ 150
??Insurance: $ 114
??Car expenses: $?230 incl. fuel
??Utilities: $ 0
??Phone, cable, internet: $ 190
??Food, entertainment: $ 125
??Clothing, household expenses $
??Credit cards and other loans: $?650
??Other expenses: $ 80
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466950
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1989 Debt/Income ratio: 9%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 3 / 3Length of status:5y 6m
Credit score: 660-679 (Jul-2010) Total credit lines: 12 Occupation: Nurse (RN)
Now delinquent: 2 Revolving credit balance: $97Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 32%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 16    
Screen name: accelerator957 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
my daughter's wedding
Purpose of loan:
This loan will be used to help pay for my only daughter's wedding.? She is marrying the man of her dreams, and I want to help make her dreams come true.

My financial situation:? I have had some financial issues in the past, due to a prior personal business of my husband's.? As I said, that is in the past.? Those debts are all paid off now, and both my husband and myself are in stable, well-paying jobs.? I have an excellent work history, having worked full-time for the past 30 years.? I have the opportunity to work overtime, and am in a profession (RN) where I have no fear of being out of work.?

My car is paid for, so I have no car payment, no credit card debt, only a mortgage payment that is very reasonable.? There is a good amount of equity in my house (no upside-down situation).? I have lived in the same home, in the same community for the past 22 years.

I feel confident that I can re-pay this loan in its entirety, and intend to make monthly payments via pre-authorized bank drafts.? I do not intend to incur any more debt until this loan is paid off.

Monthly net income: $ 4,500.00 minimum (myself only, not including overtime)

Monthly expenses: $
??Housing: $ 1,157.19
??Insurance: $
??Car expenses: $ 0
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.93% Starting borrower rate/APR: 11.93% / 14.06% Starting monthly payment: $331.81
 
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: Dec-1982 Debt/Income ratio: 54%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 12Length of status:0y 6m
Credit score: 740-759 (Jul-2010) Total credit lines: 27 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $2,075Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 20%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: first-bill-control Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying for college
Purpose of loan:
This loan will be used to help me return to school and change careers. Long ago, I majored in music composition and I have done my best to pursue a career in this field.? About four years ago, I realized that my passions lie in economics, art, and investing. This fall I will start a master's program in art business. As a FT single parent (for the past 16 years) on the verge of becoming an empty nester, I am very excited about dedicating myself to my new life and sharing my love of art!

My financial situation:
I am a good candidate for this loan because I am entering a field that will offer more opportunities based on my personality and skills.

Monthly net income: $ 1500.00

Monthly expenses: $
??Housing: $ 925
??Insurance: $ 0
??Car expenses: $ 90
??Utilities: $ 200
??Phone, cable, internet: $ 60
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ 2000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1992 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 11Length of status:6y 5m
Credit score: 640-659 (Jul-2010) Total credit lines: 15 Occupation: Food Service
Now delinquent: 0 Revolving credit balance: $14,801Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 89%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: going-for-it 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
Debt Consolidation/Dental Work
Purpose of loan: Business Start-up
This loan will be used to?? purchase business insurance, supplies, marketing materials
My financial situation: Is improving
I am a good candidate for this loan because? I am never late on my monthly bills and can handle the requested monthy payment for this loan. I am in the process of growing a small business which is already generating income.
Monthly net income: $ 3000+

Monthly expenses: $
??Housing: $?700
??Insurance: $ 180
??Car expenses: $ 200
??Utilities: $ 0
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 800
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.33% Starting borrower rate/APR: 26.33% / 28.65% Starting monthly payment: $161.87
 
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: Oct-1999 Debt/Income ratio: 32%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:3y 0m
Credit score: 700-719 (Jul-2010) Total credit lines: 13 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $8,127Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 84%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: smartinvesting 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
popping the question, need ring :-)
Purpose of loan:
This loan will be used to?
purchase an engagement ring for my girlfriend. she is taking me to New York for my 30th bday in september. i plan on proposing on top of the empire state building. it will be a surprise and i want to have a nice ring for her. i didnt think i would ever want to get married but i found the one :-)? also, with what is left of the loan, use it and my next few overtime paychecks to bring down the balance of my mastercard account.? thanks for reading and bidding, my girlfriend is amazing and she deserves the best? (she thanks you too ;-)? )
My financial situation:
I am a good candidate for this loan because?
i have never made a late payment on anything from a cell phone bill, to credit card bill to house utilities... and i also live with my parents and i only pay half of the utilities... so no rent going out each month. I have a steady full time job that offers alot of overtime, i just worked over 120 hours the last pay period (2 weeks)
Monthly net income: $
2300
Monthly expenses: $
??Housing: $ 0 ???
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 75
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466978
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $84.90
 
Auction yield range: 10.93% - 29.00% Estimated loss impact: 10.73%  
Lender servicing fee: 1.00% Estimated return: 18.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1993 Debt/Income ratio: 42%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 16 / 16Length of status:9y 6m
Credit score: 640-659 (Jul-2010) Total credit lines: 33 Occupation: Scientist
Now delinquent: 1 Revolving credit balance: $26,255Stated 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: mdgbank Borrower's state: California Borrower's group: ALL DOCTORS MD,DO,OD,DDS,DMD,PhD,DVM,DPM,DC,PharmD,J
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 59 ( 98% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 1 ( 2% )  
620-639 (Jun-2008)
600-619 (Jun-2007)
 
Principal balance: $382.06 31+ days late: 0 ( 0% )
Total payments billed: 60  
Description
Putting in new kitchen cabinets
Purpose of loan:
I need?to replace cabinets in?the kitchen that?have been?ruined by?a water leak.

My financial situation:
I am a good candidate for this loan because I can easily fit the payment into my monthly budget, and?I?have steady employment as faculty at a major university.

Monthly net income: $ 5200.00

Monthly expenses: $
??Housing: $ 1,375
??Insurance: $ 45
??Car expenses: $ 375
??Utilities: $ 140
??Phone, cable, internet: $ 145
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 450
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 25.25% Starting borrower rate/APR: 26.25% / 28.84% Starting monthly payment: $60.64
 
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: Oct-2001 Debt/Income ratio: 14%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:3y 4m
Credit score: 640-659 (Jul-2010) Total credit lines: 27 Occupation: Analyst
Now delinquent: 2 Revolving credit balance: $6,804Stated income:$50,000-$74,999
Amount delinquent: $35 Bankcard utilization: 86%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Queens83 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
Marketing Materials - New Business
I have a successful full-time job, but I've always dreamed of owning my own business. I've recently taken classes and have become certified in various areas of the Beauty Services Industry. Without getting into too much detail, I'd like to start my Beauty Service business before the end of the year. This loan that I plan on getting will be used for marketing materials, I've included a breakdown from Excel below. Once I have all the marketing materials I believe I will be able to build clientele. All money that I make from clients will be used to buy inventory and keep the business going. I'm very organized and business minded and really believe that my business will skyrocket. If for any reason my business doesn't do well, I have a good job and would be able to pay this complete loan off with a few paychecks.
Please help me fulfill my dream and I'll ensure your return is met.

Item Vendor Estimated Amount
Website Domain/E-mail Yahoo Small Business Solutions/GoDaddy.com $55.00
Thorough check of all licenses needed The Company Corporation $100.00
Business License State of New York $100.00
Makeup Artist for Marketing Materials MAC Makeup $75.00
Model for Marketing Materials www.modelmayhem.com $125.00
Photographer for Marketing Materials $200.00
Marketing Materials www.vistaprint.com $250.00
Starting Inventory Wholesale Suppliers $200.00
Uniforms (t-shirts) www.customink.com $135.00
Workers for handing out flyers Family $155.00
Promotional Items Vistaprint/customink.com $105.00
TOTAL TOTAL $1,500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467010
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,475.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 23.55% Starting borrower rate/APR: 24.55% / 26.85% Starting monthly payment: $611.61
 
Auction yield range: 7.93% - 23.55% Estimated loss impact: 7.56%  
Lender servicing fee: 1.00% Estimated return: 15.99%  
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-1985 Debt/Income ratio: 30%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 18 / 14Length of status:0y 9m
Credit score: 760-779 (Jul-2010) Total credit lines: 47 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $12,445Stated 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: TO-THE-FUTURE 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 LOAN
DEBT CONSOLIDATION TO ELIMINATE CREDIT CARD DEBT
Purpose of loan: This loan will be used to consolidate all my debt from credit cards. The credit card interest rates are out of control (upwards of 29% on some of them), and I want to be able to make one single payment a month. The main reason for wanting the prosper loan is to simplify the payments, and get rid of the debt. This is important for my family because it's time for a larger house - but first we need to clear our debt!

My financial situation: I am paying off the credit debt, but with a couple being at the 25% and 30% range, the interest is KILLING me! So I am looking to get a better interest rate, and simplify the paying every month.
I am a good candidate for this loan because I have NEVER been late on a payment with anyone. I am employed for 9 months now with a stable company. My previous employer closed their doors after being open 20 years.

Please let me know if you have any questions, and thank you for supporting this loan! My family and I appreciate it!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 16.50% Starting borrower rate/APR: 17.50% / 19.70% Starting monthly payment: $179.51
 
Auction yield range: 13.93% - 16.50% Estimated loss impact: 14.72%  
Lender servicing fee: 1.00% Estimated return: 1.78%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1994 Debt/Income ratio: 51%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 16 / 14Length of status:6y 3m
Credit score: 660-679 (Jul-2010) Total credit lines: 48 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $22,226Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 70%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: bold-upbeat-silver 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
Personal Loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467058
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 19.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $76.90
 
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: Oct-2001 Debt/Income ratio: Not calculated
Basic (1-10): 4 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: 19 ( 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: 19  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate some recent purchases 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 467070
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1983 Debt/Income ratio: 27%
Basic (1-10): 2 Inquiries last 6m: 8Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 25 / 23Length of status:9y 9m
Credit score: 780-799 (Jul-2010) Total credit lines: 61 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $32,077Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 1%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: thorough-basis8 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
Buying a van for the sextuplets!
Purpose of loan:
This loan will be used to? Buy a nice van for my wife and sextuplets!
My financial situation:
I am a good candidate for this loan beacuse I have NO delinquent loans or Bankrupcies
Monthly net income: $ 9000????

Monthly expenses: $
??Housing: $ 1500????????
??Insurance: $?800
??Car expenses: $?2000
??Utilities: $?950
??Phone, cable, internet: $?195
??Food, entertainment: $?1300
??Clothing, household expenses $?1500
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467082
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1989 Debt/Income ratio: 28%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 16 / 15Length of status:6y 9m
Credit score: 680-699 (Jul-2010) Total credit lines: 43 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $93,000Stated 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: dalres882208 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 14 ( 100% ) 680-699 (Latest)
Principal borrowed: $27,000.00< 31 days late: 0 ( 0% )  
660-679 (Jul-2009)
660-679 (Jan-2007)
 
Principal balance: $1,557.32 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Home Improvment Loan
Purpose of loan:
Perform some renovations in my home so I can bring a roommate on board to share household expenses.

My financial situation:
I am a good candidate for this loan because although I carry a large amount of debt, I make an excellent salary, have been employed with the same company for almost 7 years, and I have zero late payments in my credit history. I also have an excellent, established track record with Prosper.
Monthly net income: $ 10,000

Monthly expenses: $
??Housing: $?2,600
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 2,000
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-2005 Debt/Income ratio: 22%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 9 / 9Length of status:3y 1m
Credit score: 640-659 (Jul-2010) Total credit lines: 10 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $15,467Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 6    
Screen name: generous-asset7 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
Consolidating my cards for good!
Purpose of loan:
This loan will be used to pay off?some credit card debts to finally have a fresh start to things toward a better and improved credit score and eventually real?financial security.

My financial situation:
I am a good candidate for this loan because I have a fairly good credit history, I pay everything on time and I have a very stable job that will create a lower risk for lenders.

Monthly net income: $??2,400?


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $498.21
 
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: Jun-2002 Debt/Income ratio: 22%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:3y 6m
Credit score: 740-759 (Jul-2010) Total credit lines: 17 Occupation: Other
Now delinquent: 0 Revolving credit balance: $13,796Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: creative-payout6 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
Capital for Remodeling
Purpose of loan:
This loan will be used to? to add?extra capital?to our succesful restaurant for renovations and remodeling?

My financial situation:
I am a good candidate for this loan because? I have an excellent credit score, and a succesful business with a wide customer base.

Monthly net income: $ 7,500????

Monthly expenses: $ 2,500
??Housing: $ 1200
??Insurance: $ 100
??Car expenses: $?320?
??Utilities: $ 130
??Phone, cable, internet: $ 130?
??Food, entertainment: $ 50
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 300
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.00% Starting borrower rate/APR: 32.00% / 34.41% Starting monthly payment: $261.33
 
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-1984 Debt/Income ratio: 17%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:12y 10m
Credit score: 660-679 (Jul-2010) Total credit lines: 30 Occupation: Teacher
Now delinquent: 1 Revolving credit balance: $11,255Stated income:$75,000-$99,999
Amount delinquent: $28 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: economy-crusader 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
Consolidating Debt
Purpose of loan:
This loan will be used to? pay of credit cards to reallocate money to settling my father's estate.? He passed away recently and left a mortgage that must be paid until the house is sold.

My financial situation:
I am a good candidate for this loan because? I have a steady job and can make steady payments.? The payments to this loan will replace my credit card payments.?? Once the estate is settled, I can make higher monthly payments or possibly pay off the loan.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 400
??Car expenses: $ 450 (insurance & gas)
??Utilities: $ 300
??Phone, cable, internet: $ 170
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 750 (includes car loan & student loans)
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467124
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1994 Debt/Income ratio: 32%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 12Length of status:11y 4m
Credit score: 640-659 (Jul-2010) Total credit lines: 29 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $7,326Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 76%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: market-baton7 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
Consolidating debt
Purpose of loan:
This loan will be used to consolidate debt and home improvements.

My financial situation:
I am a good candidate for this loan because I have a good job and am able to pay many bills individually.? I am looking to ease the management of my payments into one bill.

Monthly net income: $ 5000.00

Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 200.00
??Car expenses: $ 1000.00
??Utilities: $ 400.00
??Phone, cable, internet: $
??Food, entertainment: $ 250.00
??Clothing, household expenses $
??Credit cards and other loans: $ 1100.00
??Other expenses: $
Information in the Description is not verified.