Listing Report:Supplement No. 293 dated Jul 23, 2010 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jul 13, 2009 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 423262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $226.18
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1998 Debt/Income ratio: Not calculated
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 11Length of status:8y 0m
Credit score: 700-719 (Jul-2010) Total credit lines: 22 Occupation: Truck Driver
Now delinquent: 1 Revolving credit balance: $3,136Stated income:$50,000-$74,999
Amount delinquent: $167 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: fantastic-treasure 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
buying a car to rent as taxi
Purpose of loan:
This loan will be used to? to purchase a Ford Van, to rent to a driver, thereby providing monthly incom.efrnnancial situation:
I am a good candidate for this loan because?I pay all of my accounts on the day the bill arrives.? I currently have a car loan with a credit union.? Instead of retiring the loan in 44 months, as required, I will be paying this obligation off in 22 to 30 weeks, not months.?

Monthly net income: $ 4,500????

Monthly expenses: $
??Housing: $ 400????
??Insurance: $ 350????
??Car expenses: $ 250????
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1997 Debt/Income ratio: 30%
Basic (1-10): 4 Inquiries last 6m: 6Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 19 / 16Length of status:4y 9m
Credit score: 660-679 (Jul-2010) Total credit lines: 55 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $20,611Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 3    
Screen name: dynamic-greenback 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
My personal loan
Purpose of loan:
This loan will be utilized to pay unanticipated education costs; beginning MBA program

My financial situation:
I am a good candidate for this loan because I have stable employment in healthcare, and ability to pay the loan.

Monthly net income: $
Take Home Salary - $5000

Monthly expenses: $
??Housing: $?1292
??Insurance: $ 100
??Car expenses: $100
??Utilities: $ 250
??Phone, cable, internet: $ 70
??Food, entertainment: $1000
??Clothing, household expenses $100
??Credit cards and other loans: $1000
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459620
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1994 Debt/Income ratio: 26%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 6Length of status:18y 3m
Credit score: 680-699 (Jul-2010) Total credit lines: 37 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $35,162Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 14    
Screen name: visifav4 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 680-699 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2009)
680-699 (May-2008)
 
Principal balance: $5,562.03 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Growing again
Purpose of loan:
This loan is for the next step in my growth.?????

My financial situation:
I am a good candidate for this loan because of the niche market I service. My 35 years of service to?the public is my dedication.?

Monthly net income: $ 3,000.00

Monthly expenses: $
??Housing: $ 2083.00
??Insurance: $ 210.00
??Car expenses: $ 0
??Utilities: $?375.00
??Phone, cable, internet: $ 141.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 600.00
??Credit cards and other loans: $ 0
??Other expenses: $ 350.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 464064
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $45.24
 
Auction yield range: 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-1984 Debt/Income ratio: 7%
Basic (1-10): 5 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:0y 1m
Credit score: 680-699 (Jun-2010) Total credit lines: 9 Occupation: Other
Now delinquent: 0 Revolving credit balance: $377Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: proud-treasure3 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 Tidewater Credit
Purpose of loan:
This loan will be used to? pay off Tidewater Credit

My financial situation:
I am a good candidate for this loan because? I try my best to pay all of my bills on time.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 135.00
??Car expenses: $?600
??Utilities: $ 0.00
??Phone, cable, internet: $ 85.00
??Food, entertainment: $ 0.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 0.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,400.00 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: $153.80
 
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-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 14 / 14Length of status:2y 2m
Credit score: 660-679 (Jul-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 0 Revolving credit balance: $6,712Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 10    
Screen name: mrsrjp 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: 25 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
640-659 (May-2008)
 
Principal balance: $1,277.34 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
new car for the family
Purpose of loan:
This loan will be used to? pay off exzisting? loan and get new care

My financial situation:
I am a good candidate for this loan because? i have the money monthly just not all up front ????

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 467756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $272.84
 
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: Jun-2005 Debt/Income ratio: 18%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 9Length of status:1y 6m
Credit score: 760-779 (Jul-2010) Total credit lines: 12 Occupation: Nurse (RN)
Now delinquent: 0 Revolving credit balance: $853Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: return-legend1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAY OFF CREDIT CARDS & LOANS
Purpose of loan:
This loan will be used to pay my credit cards and?help pay my brother's student loan and pay for my school as well.
My financial situation:
I am a good candidate for this loan because I pay my credit full and days before they are due. I am a very conscientious person who always pay what i owe and when I make a promise to pay on a set date, I do it without any excuse. I wanted to have a loan due to unexpected expenses where suddenly I can't seem to pay full for credit cards for next month and month after and don't want to neglect family with my own financial problem. That's why I need the loan because as mentioned before i always pay my credit card full and it bothers and stresses me that at this time I am out of fund to pay for next months expenses. My credit standing is excellent as shown.

Monthly net income: $ 3000

Monthly expenses: $?
??Insurance: $ 150
??Car expenses: $ 700
????Phone, cable, internet: $40
??Food, entertainment: $100?
??Credit cards and other loans: $?roughly 5000?for next month hence I need help?for the first time in 5 years
??Other expenses: $ 21
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 23.51% Starting borrower rate/APR: 24.51% / 26.81% Starting monthly payment: $316.01
 
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: Oct-1983 Debt/Income ratio: 12%
Basic (1-10): 5 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 10Length of status:24y 1m
Credit score: 760-779 (Jul-2010) Total credit lines: 22 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $79,610Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: orange-payout-promiser 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
I Owe, I Owe
Purpose of loan:
This loan will be used to?
Pay off credit cards
My financial situation:
I am a good candidate for this loan because?
I pay my my bills
Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $ 2500.00
??Insurance: $ 100.00
??Car expenses: $?Company Car?Allowance
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $?250.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467774
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.33% Starting borrower rate/APR: 26.33% / 28.92% Starting monthly payment: $60.70
 
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-1985 Debt/Income ratio: 27%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 2 / 3Length of status:7y 9m
Credit score: 680-699 (Jul-2010) Total credit lines: 16 Occupation: Other
Now delinquent: 3 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $527 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 11    
Screen name: keen-nickel9 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 my bills
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 467786
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,400.00 Prosper Rating: 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: $236.01
 
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: Apr-1989 Debt/Income ratio: 36%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 7Length of status:19y 6m
Credit score: 720-739 (Jul-2010) Total credit lines: 15 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $16,913Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 50%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: trade-boomer 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
Trying to escape Citibank
Purpose of loan:
This loan will be used to? pay off my Citibank Mastercard. Before the current consumer protections took effect, Citi doubled my interest rate and lowered?the credit limit on my credit card despite the fact that I was a very good customer. This should come as no surprise to anyone who has followed the news the past couple of years.?Thus, what was once my best credit card now makes me sick to my stomach every time I look at it. I could continue to pay the exorbitant fees charged by Citi, but rewarding those who almost brought down our financial system seems wrong to me.

My financial situation:
I am a good candidate for this loan because? I have a strong credit history, a good stable job (approaching 20 years of service at Indiana University),?and a history of paying my bills in a timely manner.

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467804
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 23.55% Starting borrower rate/APR: 24.55% / 26.85% Starting monthly payment: $592.83
 
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: Jun-2000 Debt/Income ratio: 17%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:5y 11m
Credit score: 760-779 (Jul-2010) Total credit lines: 14 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $1,279Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: balance-grasshopper2 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
Inventory
Purpose of loan:
This loan will be used to buy inventory for a liquor store.

My financial situation:
I am a good candidate for this loan because I have invested almost 95,000 dollars of my savings and I am short of 15,000 for the inventory.

Monthly net income: $ 2800

Monthly expenses: $1790
??Housing: $ 430
??Insurance: $ 80
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1996 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 2Length of status:9y 11m
Credit score: 640-659 (Jul-2010) Total credit lines: 41 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $300Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 17    
Screen name: new-interest-trader Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
student traveler
Purpose of loan:
This loan will be used to?
pay summer tuition
My financial situation:
I am a good candidate for this loan because?
i have been working for full time for the same company for 10 years.
Monthly net income: $
3000
Monthly expenses: $
??Housing: $ 500
??Insurance: $ 99
??Car expenses: $ 300
??Utilities: $ 25
??Phone, cable, internet: $ 70
??Food, entertainment: $ 50
??Clothing, household expenses $ 15
??Credit cards and other loans: $ 15
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467822
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $180.94
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Oct-2000 Debt/Income ratio: 4%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 2Length of status:0y 9m
Credit score: 640-659 (Jul-2010) Total credit lines: 8 Occupation: Other
Now delinquent: 0 Revolving credit balance: $337Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 2    
Screen name: determined-peso5 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
Ready to Propose
Purpose of loan:
This loan will be used to buy a nice, but fairly modest engagement ring for my future wife. I have known for quite some time that she was right for me, and want to ask if she will share her life with me.

My financial situation:
I am a good candidate for this loan because I make a decent amount of money and have very little debt. Quite simply, I have the debt to income ratio to pay this loan off. I recently paid off most of my debt and have not yet been able to save enough for this purchase. I plan to pop the question on an upcoming vacation.

Monthly net income: $3,200

Monthly expenses: $1200
??Housing: $500
??Insurance: $38
??Car expenses: $0
??Utilities: $80
??Phone, cable, internet: $140
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $120
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 16.93% Starting borrower rate/APR: 17.93% / 20.14% Starting monthly payment: $902.93
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 18.93%  
Lender servicing fee: 1.00% Estimated return: -2.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1983 Debt/Income ratio: 21%
Basic (1-10): 2 Inquiries last 6m: 7Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 13 / 11Length of status:4y 3m
Credit score: 780-799 (Jul-2010) Total credit lines: 40 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $30,166Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 43%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: breathtaking-yield4 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
Prosper 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 467840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,850.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 32.50% Starting borrower rate/APR: 33.50% / 35.93% Starting monthly payment: $437.25
 
Auction yield range: 13.93% - 32.50% Estimated loss impact: 15.50%  
Lender servicing fee: 1.00% Estimated return: 17.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1999 Debt/Income ratio: 18%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 4Length of status:8y 0m
Credit score: 640-659 (Jul-2010) Total credit lines: 25 Occupation: Other
Now delinquent: 0 Revolving credit balance: $3,544Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: octosincity Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2010)
560-579 (Aug-2008)
560-579 (Jul-2008)
560-579 (May-2008)
 
Principal balance: $1,005.00 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Pay Credit Card Debt off For Good!
The purpose of the loan to to pay off my credit card debt and to be back down to zero debt and to get rid of my credit cards and only have one or two?credit cards. I will use about $1,000 of the loan to work on my online business ideas and to move my online store to a new web hosting site that is better adapted for what I want to do. I have other online business ideas that I am unable to share at this time.

I am a good candidate for the loan, because it will paid off by the 36th month. There is a chance it will be paid off earlier, but it is too early to tell. I will be at my current employment where I have been for over 8 years.

I do hope one day to be a lender of Prosper. But at this time - it is I that needs the help.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467848
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 24.51% Starting borrower rate/APR: 25.51% / 27.82% Starting monthly payment: $600.45
 
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: Jun-2001 Debt/Income ratio: 18%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:0y 11m
Credit score: 760-779 (Jul-2010) Total credit lines: 5 Occupation: Engineer - Mechanic...
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wise-influential-payout 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
buying my son a car
Purpose of loan:
This loan will be used to? to buy my son a car
My financial situation:
I am a good candidate for this loan because?
im one that bbeleives in paying my bills
Monthly net income: $
5700
Monthly expenses: $
??Housing: $ 150
??Insurance: $40
??Car expenses: $100
??Utilities: $ 60
??Phone, cable, internet: $ 70
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $23,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $1,040.43
 
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-2002 Debt/Income ratio: 66%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:1y 11m
Credit score: 700-719 (Jul-2010) Total credit lines: 14 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $2,946Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: dedication-communicator6 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Building a Garage Apartment
Purpose of loan:
This loan will be used to? build a garage apartment for my ather to live in since my mother passed away.

My financial situation:
I am a good candidate for this loan because? I am a school teacher with steady income, My husband also works full time and my father wants to help pay for the apartment he will be living in. I also have property for sale worth $69,500 and will pay off this loan when the house sells. We have a few bids already.

Monthly net income: $ 3500

Monthly expenses: $?
??Housing: $ 495.00????????
??Insurance: $ 196
??Car expenses: $ 365.00
??Utilities: $ 56.00
??Phone, cable, internet: $ 96.00
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467854
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $24,000.00 Prosper Rating: 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: $866.81
 
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: Oct-1997 Debt/Income ratio: 41%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 11 / 9Length of status:3y 11m
Credit score: 720-739 (Jul-2010) Total credit lines: 12 Occupation: Other
Now delinquent: 0 Revolving credit balance: $20,393Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 98%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: stable-generosity2 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit card debts need to go away
Purpose of loan:
Making minimum payments on my credit card bills will take forever to clear my debts. I don't want to be in debt for 25+ years. Help me clear my debt quick while I help you make some money.

My financial situation:
I'm never late on any of my payments. I work for a stable company where my skillsets are always needed. My problem is I have too many bills and I can't?afford to pay more than the minimum payments in order to cover all of them.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467866
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.0%  
   
 
Starting lender yield: 33.15% Starting borrower rate/APR: 34.15% / 36.87% Starting monthly payment: $67.13
 
Auction yield range: 13.93% - 33.15% Estimated loss impact: 15.53%  
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: Feb-1994 Debt/Income ratio: 15%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 20 / 14Length of status:29y 7m
Credit score: 680-699 (Jul-2010) Total credit lines: 54 Occupation: Other
Now delinquent: 0 Revolving credit balance: $17,038Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: investment-albatross Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay down credit card debt
Purpose of loan:
My bankcard situation changed with all of the new regulation of the banks. I was one of the people who credit limit was reduce. Since my limit was reduce, my utilization became the max. I need to pay down the balances on my credit card debt.
.

Monthly net income: $ 6200

Monthly expenses: $
??Housing: $ 1250
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $?
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467872
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1990 Debt/Income ratio: 23%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:12y 7m
Credit score: 640-659 (Jul-2010) Total credit lines: 19 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $1,553Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 18    
Screen name: natural-duty4 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
Personal loan for son's education
Purpose of loan:
This loan will be used to help pay for housing, books, and partial tuition for the academic year for my son's first year away at college. The ability to pay over time will be extremely helpful to me. I must meet his housing commitments soon.

My financial situation:
I am a good candidate for this loan because I am gainfully employed and make a very good wage.

Monthly net income: $ 3,398

Monthly expenses: $ 2,900
??Housing: $ 1400/month
??Insurance: $ 200
??Car expenses: $ 300
??Utilities: $ 40
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 160
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467890
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1975 Debt/Income ratio: 35%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 18 / 17Length of status:39y 7m
Credit score: 680-699 (Jul-2010) Total credit lines: 51 Occupation: Other
Now delinquent: 0 Revolving credit balance: $51,561Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 92%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: fresco-cash Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to consolidate?credit card debt.??I have an excellent
Prosper rating.? I have used a credit card recently to finish my landscaping so
my debt ratio?went up?a bit.? I would really see this loan funded.
?I am an ideal candidate for this loan due to my personal
financial situation and my excellent credit and payment history.? I do not understand how
Prosper could change my rating from an "A" to "HR" when the debt ratio only went up
4% by using the credit card that I explained above.? I still have excellent credit and always
pay my debts.

My financial situation:
I have an excellent payment history and?very good credit.? I am responsible, have a good? job with a steady income.??I will have no trouble making the monthly Prosper payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467896
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $148.58
 
Auction yield range: 16.93% - 29.00% Estimated loss impact: 26.69%  
Lender servicing fee: 1.00% Estimated return: 2.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1999 Debt/Income ratio: 28%
Basic (1-10): 3 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 11Length of status:0y 3m
Credit score: 660-679 (Jul-2010) Total credit lines: 36 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $2,334Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 25    
Screen name: bold-order-maestro 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
Education and business use
Purpose of loan:
This loan will be used to?
I am currently a licensed insurance agent for life and health products but wish to study to take the series 6 and 23 exams as well as?do more marketing to increase my client base.
My financial situation:
I am a good candidate for this loan because?
I have a stable work history having worked the previous 9 years as a department manager for a major health insurer and prior to that I worked for over 20 years at a major regional healthcare facility.?This past spring I due to reorganizations at my company because of pending healthcare reforms, I decided to go into insurance sales fulltime because I enjoy interacting with people and with my previous insurance and healthcare background?it was natural fit for me and?allowing me to be?effective in meeting with clients.?Having said that I'd also?like to be?a?one stop shop to address all my?client needs by incorporating annuity sales.? To meet that goal I desire a more extensive knowledge of financial products and therefore want to study for the above mentioned certifications and licensing.? I have been divorced for 10 years and there was a time shortly following my divorce when I struggled financially and therefore I did have some delinquincies reported.? Even as a single mother putting my daughter through college, I?was able to?turn my financial situation around however and because of that I was able to qualify for and purchase a home last year at a time when creditors were being extremely cautious in lending to 1st time buyers. I believe that fete in and of itself proves my creditworthiness.? I am a success driven person and am simply looking for an opportunity to improve my financial outlook and grow my book of business to the point that I can become a fully independent self employed agent.
Monthly net income: $
$4300.00
Monthly expenses: $
??Housing: $ 926
??Insurance: $ 169
??Car expenses: $ 516
??Utilities: $?249
??Phone, cable, internet: $ 189
??Food, entertainment: $ 500
??Clothing, household expenses $ 275
??Credit cards and other loans: $ 200
??Other expenses: $ 175
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467902
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 22.63% Starting borrower rate/APR: 23.63% / 25.92% Starting monthly payment: $390.39
 
Auction yield range: 7.93% - 22.63% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1974 Debt/Income ratio: 39%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 11 / 11Length of status:33y 3m
Credit score: 720-739 (Jul-2010) Total credit lines: 46 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $142,893Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: red-burgeoning-justice 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
selling of my home
Purpose of loan:
This loan will be used to? expense and other items during selling of my home????

My financial situation:
I am a good candidate for this loan because?
i have an excellant credit history
Monthly net income: $ 5300????????????

Monthly expenses: $
??Housing: $ 1000????
??Insurance: $ 170
??Car expenses: $ 0
??Utilities: $ 250????
??Phone, cable, internet: $ 175
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1750
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1974 Debt/Income ratio: 42%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 9Length of status:1y 6m
Credit score: 720-739 (Jul-2010) Total credit lines: 26 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $34,629Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: resplendent-currency689 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards and car
Purpose of loan:
This loan will be used to? Pay off car loan and credit card plus small home need.

My financial situation:
I am a good candidate for this loan because? I always meet my debts and my salary will continue to increase over the next few months.

Monthly net income: $

Monthly expenses: $
??Housing: $ 955
??Insurance: $ 1244
??Car expenses: $ 1176????
??Utilities: $ 200
??Phone, cable, internet: $143
??Food, entertainment: $ 200
??Clothing, household expenses $?45
??Credit cards and other loans: $ 598
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.43% Starting borrower rate/APR: 8.43% / 8.77% Starting monthly payment: $126.14
 
Auction yield range: 2.93% - 7.43% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1996 Debt/Income ratio: 20%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 6Length of status:8y 7m
Credit score: 820-839 (Jul-2010) Total credit lines: 19 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $7,648Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: transaction-puppy 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 for Day Care
Purpose of loan:
This loan will be used towards my son's day care expenses. An unexpected change in the health of my current day care providers have put my family in a situation that I need to place my son into a good place quickly. I have additional savings but I'd like to be able to secure a place for my son in the day care that I would like to put him into. It's very competitive in this area of the country.

My financial situation:
I am a good candidate for this loan because I've never been late to any of my debt obligations, and take my debts and credit history seriously. I have recently been hired for a part time job that will provide additional income which is not stated in this current application due to the fact that I have not started that job quite yet.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,300.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $159.58
 
Auction yield range: 7.93% - 18.90% Estimated loss impact: 6.94%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-2001 Debt/Income ratio: 41%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 12Length of status:1y 8m
Credit score: 660-679 (Jul-2010) Total credit lines: 19 Occupation: Other
Now delinquent: 0 Revolving credit balance: $21,344Stated 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: rate-umbrella4 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay some of my credit cards.

My financial situation:
I am a good candidate for this loan because? I've never been late in any of my payments.

Monthly net income: $ 2,900

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 130
??Car expenses: $ 250
??Utilities: $ 200
??Phone, cable, internet: $ 140
??Food, entertainment: $ 400
??Clothing, household expenses $?200
??Credit cards and other loans: $?900
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467956
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-2008 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:4y 4m
Credit score: 700-719 (Jul-2010) Total credit lines: 5 Occupation: Waiter/Waitress
Now delinquent: 0 Revolving credit balance: $1,509Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 19%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: five-star-pound4 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
Car so I can get a job at college
Purpose of loan:
This loan will be used to? Buy a vehicle that will be able to get me to and from college and also so I can have transportation to get a part-time job at college, I am currently just working at home on summer, winter, Thanksgiving, and spring breaks.

My financial situation:
I am a good candidate for this loan because? This would be my only major expense.

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 40 (gas)
??Utilities: $ 0
??Phone, cable, internet: $ 15
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 40
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $397.60
 
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: Nov-1988 Debt/Income ratio: 61%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 8 / 7Length of status:6y 6m
Credit score: 660-679 (Jul-2010) Total credit lines: 28 Occupation: Other
Now delinquent: 0 Revolving credit balance: $146,440Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 101%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: currency-sumac 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
Credit Card Pay Offs
Purpose of loan:

This loan will be used to consolidate Tires Plus - $1,650.? Lowes- $ 3,154, JCPenny- $4,500, Citi Card - $650.? The minimum balances for these cards total $459.00.? I would like to get a loan for 25% interest or lower, this will reduce my monthly payments by as much as $50.00 and give me a chance to pay these off and close them out once and for good !! :)

My financial situation:
I am a good candidate for this loan because I am never late with my payments as you can see from my credit report and?have the capacity and the history to pay large loans and credit card balances.? My?goal is not so much to lower the monthly amount I pay?for this debt, its to term out the debt and?get rid of it.? Thanks for your consideration !!?

Monthly net income: $ 3,050

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 467980
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $185.56
 
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: Jan-2000 Debt/Income ratio: 18%
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 11Length of status:2y 7m
Credit score: 660-679 (Jun-2010) Total credit lines: 33 Occupation: Scientist
Now delinquent: 0 Revolving credit balance: $40,465Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: broadcaster968 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
take my mom to Europe
Purpose of loan:
This loan will be used to take a vocation to Europe with my mom.
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 467986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.93% Starting borrower rate/APR: 13.93% / 16.09% Starting monthly payment: $85.36
 
Auction yield range: 5.93% - 12.93% Estimated loss impact: 5.22%  
Lender servicing fee: 1.00% Estimated return: 7.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 4 / 4Length of status:5y 4m
Credit score: 720-739 (Jul-2010) Total credit lines: 4 Occupation: Tradesman - Mechani...
Now delinquent: 0 Revolving credit balance: $3,094Stated 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 (25%+!)
My financial situation:
I am a good candidate for this loan because?I pay all my bills on time and have had a steady income for over 5 years. I bring in over $6,000 per month, but am using most of that to pay off Undergraduate and Graduate school loans..
Feel free to ask me any questions!
Thanks!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.93% Starting borrower rate/APR: 17.93% / 20.14% Starting monthly payment: $469.52
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 18.93%  
Lender servicing fee: 1.00% Estimated return: -2.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1978 Debt/Income ratio: 35%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 15 / 14Length of status:8y 6m
Credit score: 740-759 (Jul-2010) Total credit lines: 44 Occupation: Clerical
Now delinquent: 1 Revolving credit balance: $19,387Stated income:$50,000-$74,999
Amount delinquent: $405 Bankcard utilization: 74%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: pwb5180 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating and paying off debt
Purpose of loan:
This loan will be used to? pay off auto loan and credit cards.

My financial situation:
I am a good candidate for this loan because??I don't miss payments and?I pay more than the minimum amount due.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468072
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,300.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 19.01% Starting borrower rate/APR: 20.01% / 22.25% Starting monthly payment: $122.66
 
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: Sep-1995 Debt/Income ratio: 28%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 20 / 18Length of status:2y 9m
Credit score: 680-699 (Jul-2010) Total credit lines: 39 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $35,378Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: Flash77 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
Makeover My Barren Backyard
Purpose of loan: To landscape the barren backyard of our new house. Our kids (9,7,5) must now play inside or in the street or at a neighbors. We want our own place for them to play outside. A yard we are proud of. The loan will buy/install a dozen plants/trees, the max amount of grass, irrigation, lighting, and a warranty if anything breaks or dies.

My financial situation: Our capacity to pay a $100+/mo loan has never been better. We each have good jobs in stable industries and always keep our cash-out less than cash-in. Leftover cash goes to retirement & college funds. I've worked hard to manage our credit responsibly. We cut our cc debt by 40% from $52k and now have an emergency savings fund instead.

Monthly net income: After taxes/deductions=$7200
Monthly expenses: $6530
Housing: $815
Insurance: $175
Car expenses: $550
Utilities: $250
Phone/cable/internet: $275
Food/entertainment: $1000
Clothing/household expenses $200
Credit cards & other loans: $2265
Other expenses: $1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468084
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $678.54
 
Auction yield range: 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: Mar-2000 Debt/Income ratio: 41%
Basic (1-10): 1 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 4 / 3Length of status:0y 3m
Credit score: 640-659 (Jul-2010) Total credit lines: 11 Occupation: Other
Now delinquent: 0 Revolving credit balance: $919Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 77%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: silver-swashbuckler4 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
Opportunity
Purpose of loan:
This loan will be used to? Will be used to consolidate all debt into one monthly payment instead four.

My financial situation:
I am a good candidate for this loan because? of my past credit histtory reflects account paid on time.

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $ 600????
??Insurance: $ 166.00
??Car expenses: $ 350.00
??Utilities: $ 85
??Phone, cable, internet: $ 168.00
??Food, entertainment: $ 345.00
??Clothing, household expenses $ 56.00
??Credit cards and other loans: $ 115.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $806.68
 
Auction yield range: 2.93% - 9.00% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1989 Debt/Income ratio: 35%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:5y 5m
Credit score: 800-819 (Jul-2010) Total credit lines: 40 Occupation: Medical Technician
Now delinquent: 0 Revolving credit balance: $40,895Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: inspired-loot1 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to consolidate our credit card bills and pay them down at a lower rate.? ?

My financial situation:
I am a good candidate for this loan because I have a very reliable and secure occupation.? I work in the medical field.? I am an Cardiac Ultrasound technician with over 8 years experience.??The company I work for is in strong financial shape and I have recently been promoted within the?organization.?? My wife is also going back to work in the fall.? She is a school teacher.? She has taken time off the last few?years to take care of our children.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468102
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 9.38% Starting borrower rate/APR: 10.38% / 10.73% Starting monthly payment: $811.15
 
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: Aug-1990 Debt/Income ratio: 32%
Basic (1-10): 6 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 10Length of status:0y 3m
Credit score: 800-819 (Jul-2010) Total credit lines: 32 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $8,698Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 18%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: kinetic-market6 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 Second Mortgage
The purpose of this loan is:
I will be using this loan to help pay off my second mortgage which has a balloon payment due 4/2011.? When I purchased my home in 2006 I had expected to refinance into a single mortgage, eliminating the second mortgage and balloon.? However, like most folks, back in 2006 I didn't anticipate that my home would depreciate and that refinancing would not be a viable option.? My balloon payment was supposed to be $48,393.? However,?when the housing market crashed I knew?that there could be problems refinancing my home and?I began paying?between 2x and 3x the normal payment amount in order to work towards eliminating the second mortgage.? As of today, my balance?on the?second mortgage is $43,000.??With 9 months remaining, I expect that I will be able to continue to significantly reduce the balance?but know that I will not be able to pay off the entire $43,000 during that time frame.

Spreading $25,000 of this?debt across a 3 year term I?should?have no problem paying in full what will then remain of the second mortgage?within the remaining 9 months as well as?meet my commitment on paying the $25,000?loan over?3 years.?

My financial situation is:
I believe that I am a good candidate for this loan because my wife and?I have a life long history of paying?our debts as agreed.??My wife and I both have very good credit ratings.??I earn $120,000 gross annually with a $24,000 potential bonus incentive.? My wife earns $41,000 gross annually.? We earn more than enough to pay our bills.?

We pay our debts timely.? In fact, we have no problem paying our debts and typically pay well above the due amounts.? The only problem we have today is that we are facing this second mortgage balloon payment in 4/2011.? With this loan we can reduce the second mortgage to an amount that we can payoff within the remaining time frame.? Meanwhile, by spreading out the $25,000 loan across 3 years rather than being included in the 9 months period, we will be able to keep our commitment on paying the estimated $811 monthly payment for this loan.

I expect that the 3 months of service with my current employer may be of concern to a potential investor.? However, this short term is because I was hired by someone I had previously worked with for 4 years with a previous employer.? My current role is Director, Revenue Cycle Management for a multi-site / multi-physician organization.? I have worked in the healthcare industry for 22 years and this recent job change was to pursue a good opportunity that had presented itself.?

My wife is a Series 7 licensed securities representative.? She has worked in her industry for 13 years and has held her license for 10 years.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468108
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $253.07
 
Auction yield range: 10.93% - 17.00% Estimated loss impact: 10.40%  
Lender servicing fee: 1.00% Estimated return: 6.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2004 Debt/Income ratio: 32%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 25 / 20Length of status:9y 0m
Credit score: 660-679 (Jul-2010) Total credit lines: 38 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $6,298Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 21%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: rowlandm2 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: 11 ( 100% ) 660-679 (Latest)
Principal borrowed: $9,500.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2009)
640-659 (Jul-2009)
620-639 (May-2009)
620-639 (Oct-2008)
 
Principal balance: $6,131.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Refinance Loan
Purpose of loan:
This loan will be used to refinance the current prosper loan to lower interest rate.

My financial situation:
I am a good candidate for this loan because this is my 3rd Prosper Loan, my credit profile has improved with each loan, I have an excellent job with stability, and I have no history of late payments in the last 7 years. Consolidating will allow me to free up more cash for savings.

Monthly net income: $ 3620

Monthly expenses: $?2215
??Housing: $ 695
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: $ 120
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $?200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468114
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2005 Debt/Income ratio: 36%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 10Length of status:6y 4m
Credit score: 680-699 (Jul-2010) Total credit lines: 16 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $6,101Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 62%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: thrifty-yield0 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit and consolidation
Purpose of loan:
This loan will be used to?
This loan will help to reduce my credit card and home to have?unfinish rec room done so my mother can move in.
My financial situation:
I am a good candidate for this loan because?
I'm a new home owner with a excellent payment history, never been late on anything that's deals with paying bills.
Monthly net income: $
30000
Monthly expenses: $
??Housing: $?500
??Insurance: $ 150
??Car expenses: $ 0
??Utilities: $
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 230
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468120
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1981 Debt/Income ratio: 17%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 14 / 13Length of status:12y 7m
Credit score: 640-659 (Jun-2010) Total credit lines: 18 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $33,174Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 95%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: social-temple Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit cards
Purpose of loan:
This loan will be used to pay off high interest credit card debt and close accounts to improve my credit so that I?can take advantage of the current real estate market and purchase my own home.?

My financial situation:
I am a good candidate for this loan because I pay all my bills and have a stable job situation with potential for bonuses in the next year as the profits of several projects are realized.?

Monthly net income: $ 4595 after 401k contributions and taxes

Monthly expenses: $
??Housing: $ 2652
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 80
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 900
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468132
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,750.00 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: $250.80
 
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: Nov-2000 Debt/Income ratio: 30%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 4 / 4Length of status:5y 10m
Credit score: 760-779 (Jul-2010) Total credit lines: 19 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $3,479Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: honestman4u Borrower's state: Ohio Borrower's group: Liberty United Financial
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 65 ( 100% ) 760-779 (Latest)
Principal borrowed: $15,800.00< 31 days late: 0 ( 0% )  
740-759 (Sep-2008)
760-779 (Feb-2008)
740-759 (Jan-2007)
740-759 (Nov-2006)
 
Principal balance: $4,363.73 31+ days late: 0 ( 0% )
Total payments billed: 65  
Description
Want to Make Money? A Sure Bet!
Purpose of loan:
This loan will be used to consolidate some bigger purchases that I have had upcoming from credit card payments and to?invest some upfront for the year?through ira's.

My financial situation:
I am a good candidate for this loan because I have very little monthly expenses by living at home.? I have also used prosper before, so you can see I am extremely reliable.??I always pay my bills on time and have a tremendous credit score.? I have never had deliquent accounts or anything like that.? If you invest in this loan, you will make money and it will be paid back, guaranteed!

Thank you for looking, investing,?and happy bidding!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468138
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $238.56
 
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: May-1991 Debt/Income ratio: 18%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 9Length of status:10y 4m
Credit score: 660-679 (Jul-2010) Total credit lines: 21 Occupation: Professional
Now delinquent: 2 Revolving credit balance: $5,044Stated income:$75,000-$99,999
Amount delinquent: $2,541 Bankcard utilization: 49%  
Public records last 12m / 10y: 1/ 1 Homeownership: Yes  
Delinquencies in last 7y: 8    
Screen name: dazzleships Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating debt / Regrouping
Purpose of loan:
To catch up on debt / Regrouping / Restarting

My financial situation:
I am a good candidate for this loan because: I am very talented professional that works in the creative profession (Branding/design)
which was hit tremendously hard. We're a luxury when times are bad. I have restructured my company (broke partnership),
leaned up expenses, moved offices and we are diversifying our service into different categories rather than just one. I have made some
mistakes, had an expensive partership, and simply got behind with big expenses. Need second chance to regroup and catch up.

Monthly net income: $ 8500-10000

Monthly expenses: $
??Housing: $ 2400
??Insurance: $ 150
??Car expenses: $ 600
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1981 Debt/Income ratio: 5%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:31y 9m
Credit score: 640-659 (Jul-2010) Total credit lines: 22 Occupation: Other
Now delinquent: 0 Revolving credit balance: $963Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 25    
Screen name: Wills1960 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
Lowering my monthly debt
Purpose of loan:
This loan will be used to consolidate small nagging credit cards (approx. $1000.00) and 2 personal loans (approx. $4000.00) saving me about $200.00 a month.?I will be paying off the credit cards instead of paying the min. payment and getting nowhere on them.? They will be gone for good, as I have already distroyed them and only use my personal checking debit card.? By paying off the personal loans along with the credit card, I will be savings on my monthly debt and be able to use the extra to help my daughter who is going to college with her living expenses.? I have heard of your service from a friend and felt that this would be a good place to continue to build my credit and know the the credit cards will be gone for good!? "Thank you" in advance for your help.
My financial situation:
I am a good candidate for this loan because I have a very stable job that I have been at for 30+ years.? My pay roll check is auto deposited into my account every month on the 10th and 25th.? I have the ability to pay back this loan and have worked hard to correct some unfortunate credit problems in the past.

Monthly net income: $ 3600.00

Monthly expenses: $ 1500.00
??Housing: $ 710.
??Insurance: $ 120.
??Car expenses: $ 350.
??Utilities: $ 120.
??Phone, cable, internet: $ 100.
??Food, entertainment: $ wife?takes?care of
??Clothing, household expenses $ wife takes care of
??Credit cards and other loans: $ will be paid off
??Other expenses: $ 100.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468156
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 16.93% Starting borrower rate/APR: 17.93% / 20.14% Starting monthly payment: $270.88
 
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: Aug-2004 Debt/Income ratio: 56%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 9 / 8Length of status:2y 11m
Credit score: 640-659 (Jul-2010) Total credit lines: 19 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $5,419Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 63%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: social-metronome 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
Toastmaster007: Please Read Descrip
Purpose of loan:
Toastmaster007, I received your question a few days after it was asked because we were with a sick?relative in the hospital and have just arrived at this time this morning (3 a.m. on July 2nd).? If you are still willing to provide this loan, it would be a blessing and YES...I would absolutely pay it back without fail, and that is a promise.? I am sincere when I say that I have never not met a financial obligation.? If this window of opportunity has passed, I appreciate your original interest.? Thank you.?

This loan will be used to pay off credit cards used to get car and things for home after getting married.? I'm sick of paying $50 each month in interest on certain cards.? We can make the monthly payments easily, but I feel like I'm throwing money in the trash, and my family deserves better than that.? One card claims it will take 20 years to pay off with an already high minimum monthly payment.? Please help me change our lives.? I promise you will not regret it.

My financial situation:
I am a good candidate for this loan because I have not missed a payment for anything in my entire life.? I can't get a loan from the bank because we do not have sufficient collateral.? I'm just ready to cancel all cards and change begin a better life. ?

Monthly net income: $2600 (plus $1800 from wife's income)

Monthly expenses: $
??Housing: $ 647
??Insurance: $ 120
??Car expenses: Own
??Utilities: $ 100
??Phone, cable, internet: $ 120
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250 (student loan)
??Other expenses: $
TOTAL: $1387
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468168
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $204.12
 
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: Sep-1996 Debt/Income ratio: 31%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 9Length of status:3y 2m
Credit score: 660-679 (Jul-2010) Total credit lines: 18 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $25,932Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 91%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: efficient-basis 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: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2009)
 
Principal balance: $2,808.46 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Paying off debt!!!
Purpose of loan:
This loan will be used to pay down some credit card bills.? I took a Prosper loan out last year, and was very happy with process and ease of repayment.? As such, I decided to use it again to keep swinging away at my debt!!!

My financial situation:
I am a good candidate for this loan because, I have never missed a payment, or even been late on a payment?for that matter.?I know how to manage my cash and my debt!!!? I racked up?my credit card debt, remodeling my house, so that is why my score isn't better than it is.??Once I sell my house, I'll have cash to pay down/off my cards...but in this market, that could take a some time, so I have to work on this debt...I'm doing whatever I can to drop expenses and get this burden paid off!!!

Monthly net income: $?4588 (4088 salary and then I took on a roommate, who pays $500)

Monthly expenses: $
??Housing: $ 1100????
??Insurance: $ 165
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 90
??Food, entertainment: $ 200
??Credit cards and other loans: $?950
? Other Prosper Loan: $130
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $180.76
 
Auction yield range: 7.93% - 17.00% Estimated loss impact: 8.39%  
Lender servicing fee: 1.00% Estimated return: 8.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-2001 Debt/Income ratio: 16%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 2 / 2Length of status:17y 11m
Credit score: 700-719 (Jul-2010) Total credit lines: 7 Occupation: Sales - Commission
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: CarlosCespedes Borrower's state: Florida Borrower's group: Global Group - Fast Same Day Approval -
Credit and homeownership information was obtained 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: 29 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2010)
720-739 (Apr-2010)
720-739 (Feb-2010)
700-719 (Dec-2009)
 
Principal balance: $926.02 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
BUSINESS OPPORTUNITY
I just need to pay? off a propser loan debt is around 900 only and pay property taxes in 2 properties and get home insurance
I? thanking all the bidders because I want consolidate all in one payment property taxes of 2 properties,home insurance and debt in propsper.I can pay earlier? too.slow time now but in ocotber we have season in florida and many turists coming because the winter at north...Thanks god.



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.25% Starting borrower rate/APR: 26.25% / 30.18% Starting monthly payment: $40.42
 
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: Jun-2000 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):4 Current / open credit lines: 1 / 1Length of status:5y 0m
Credit score: 720-739 (Jul-2010) Total credit lines: 5 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $274Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ritalate 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
Extra support for the Summer
Purpose of loan:
This loan will be used to help cover personal expenses while not in school.

My financial situation:
I am a good candidate for this loan because I am responsible and currently enrolled at Azusa Pacific University. While in school I am paid through the GI Bill . After December I will be applying for a direct comission in the army to continue my career in a full-time capacity.

Monthly net income: $2300

Monthly expenses: $ 1400
??Housing: $925
??Insurance: $130
??Car expenses: $100
??Utilities: $60
??Phone, cable, internet: $93
??Food, entertainment: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468204
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.5%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $683.55
 
Auction yield range: 7.93% - 13.00% Estimated loss impact: 8.79%  
Lender servicing fee: 1.00% Estimated return: 4.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1996 Debt/Income ratio: 23%
Basic (1-10): 4 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 12 / 11Length of status:2y 1m
Credit score: 780-799 (Jul-2010) Total credit lines: 29 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: Yes  
Delinquencies in last 7y: 0    
Screen name: red-dedication-goat Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debt
Purpose of loan:
This loan will be used to pay off the remaining balance on a home mortgage. It has been on the market for over two years with no interest. I will be short selling it for a 1/3 of the current mortgage and will use this loan to pay the balance. This home is in a state I previously lived in after moving west to take a job during the downturned economy.

My financial situation:
I am a good candidate for this loan because I have always paid my bills and loans on time and in full. Case in point, I've owned a home that I have not occupied for more than two years and have always been on time with all associated bills even though it has been at a significant sacrifice to my other long term financial plans.

Monthly net income: $4,000

Monthly expenses: $2,765*
(this excludes the cost of the home above since I would be using this loan to consolidate that debt and eliminate associated costs)
??Housing: $710
??Insurance: $15
??Car expenses: $125
??Utilities: $60
??Phone, cable, internet: $130
??Food, entertainment: $400
??Clothing, household expenses $75
??Credit cards and other loans: $1,200 (mostly student loans)
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468210
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $450.65
 
Auction yield range: 3.93% - 14.00% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 11.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-2005 Debt/Income ratio: 10%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 7Length of status:0y 1m
Credit score: 780-799 (Jul-2010) Total credit lines: 12 Occupation: Computer Programmer
Now delinquent: 0 Revolving credit balance: $5,791Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 14%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: safe_investment 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 / 2 On-time: 32 ( 100% ) 780-799 (Latest)
Principal borrowed: $23,000.00< 31 days late: 0 ( 0% )  
800-819 (Nov-2009)
700-719 (May-2008)
600-619 (Jan-2008)
640-659 (Dec-2007)
 
Principal balance: $11,679.48 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
A+ Credit, 3rd Prosper Loan.
Purpose of loan:
I am a good candidate for this loan because I pay my bills on time each and every month.? This is my 3rd Prosper loan.? I've made good solid payments on my second Prosper loan and I have paid off my first Prosper loan.? I'm going to use this loan to pay off some bills and improve my home.

Monthly net income: $6962

Monthly expenses: $ 4492
Auto Insurance: $166
AT&T: $200
Comcast: $80
Directv: $120
Citi Credit Card: $70
Chase Credit Card: $200
Groceries: $600
MBNA Credit Card $20
PG&E Utilities: $200
Paypal Plus Credit Card: $0
Housing: $2365
Prosper: $471

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468216
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1998 Debt/Income ratio: 30%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 5Length of status:4y 2m
Credit score: 680-699 (Jul-2010) Total credit lines: 24 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,766Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 5    
Screen name: REInvesting Borrower's state: Nevada Borrower's group: FUTURE FINANCIAL FREEDOM 1
Credit and homeownership information was obtained from 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 Needed for Business
Purpose of loan: This loan will be used for Earnest Money Deposits to write Real Estate Contracts.

My financial situation: First, the reason why my credit rating has dropped is because I own a Rental Property, which was vacant for 7 months straight last year and I had to do everything I could to save it from going into foreclosure.? The property is now rented.? I am a good candidate for this loan because I have a steady income, plus the tremendous opportunity in the current Real Estate market will provide generous profits in the near future in my Investing Business to allow me to pay this loan back in full as quickly as possible. Also, my wife works so we split the bills: she takes care of insurance, utilities, phone, cable, internet, etc.? Thank you in advance for providing a loan.

Monthly net income: $3,869

Monthly expenses: $2,764???

Housing: $ 1,600

Insurance: $ 0??

Car expenses: $214???

Utilities: $ 0?Phone, cable, internet: $0???

Food, entertainment: $ 200??

Clothing, household expenses $ 150??

Credit cards and other loans: $ 292??

Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465739
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.2%  
   
 
Starting lender yield: 18.48% Starting borrower rate/APR: 19.48% / 21.71% Starting monthly payment: $184.50
 
Auction yield range: 7.93% - 18.48% Estimated loss impact: 6.63%  
Lender servicing fee: 1.00% Estimated return: 11.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1991 Debt/Income ratio: 16%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:4y 4m
Credit score: 800-819 (Jul-2010) Total credit lines: 13 Occupation: Other
Now delinquent: 0 Revolving credit balance: $565Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 1 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Betterfuture1000 Borrower's state: Utah Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 60 ( 97% ) 800-819 (Latest)
Principal borrowed: $13,500.00< 31 days late: 2 ( 3% )  
600-619 (Feb-2008)
600-619 (Jan-2008)
600-619 (Dec-2007)
580-599 (Nov-2007)
 
Principal balance: $856.11 31+ days late: 0 ( 0% )
Total payments billed: 62  
Description
Putting in New Yard (3rd Prp. Loan)
Purpose of loan:
This loan will be used to put in new sod and landscape our backyard.? We want to get this new sod and landscaping done by the middle of August.

My financial situation:
I am a good candidate for this loan because this is my third Prosper loan and I have paid off the first one early and will have the second one paid off next month (about $450 balance remaining).? That one will have been paid off about one year early as well.? In the process of paying off these loans, I have raised my credit score from 575-800 and we were able to purchase our home last October.? My wife and I have both increased our salaries while decreasing our expenditures.? At the end of each month, my wife and I have at least $2000 leftover which will be used to pay this loan off in less than one year.?

Monthly net income: $ 8350

Monthly expenses: $ 3006.94
??Housing: $ 1485.31
??Insurance: $ 72.19
??Car expenses: $ 525.44
??Utilities: $ 200-250
??Phone, cable, internet: $ 45
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 29
??Other expenses: $

Thank you for considering my loan.? I have proven my reliability as this is my third Prosper Loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1995 Debt/Income ratio: 21%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 12 / 11Length of status:1y 11m
Credit score: 780-799 (Jul-2010) Total credit lines: 22 Occupation: Pilot - Private/Com...
Now delinquent: 0 Revolving credit balance: $17,541Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 36%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: blue-logical-money 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
Home Improvement- Window Treatments
Purpose of loan:
This loan will be used to purchase window treatments for the home my wife and I purchased in May of 2008.? Window treatments are quite expensive, and we have saved approximately ten thousand dollars to match the amount of this loan.? Our home is 3800 sq. ft., and it has nearly forty windows!? The cost of installing window treatments is quite high, but will increase the value of our home.? Thank you for considering my request for this loan.

My financial situation:
I am a good candidate for this loan because I have always been a responsible individual, a hard worker, and financially conservative.? I have been employed for all of my adult life as a pilot, and I am currently in a secure position as a corporate pilot for a small bank in northern California.? Over the years to come, I should start to gain equity in my home and be able to continue to make improvements to my property that will assure that my investment in a home purchase in these financially turbulent times was a good choice.? My wife, eight year old son, and I plan to live in this home for at least ten years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467361
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 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: May-2008 Debt/Income ratio: Not calculated
Basic (1-10): 2 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 2 / 2Length of status:2y 2m
Credit score: 660-679 (Jul-2010) Total credit lines: 4 Occupation: Other
Now delinquent: 1 Revolving credit balance: $1,171Stated income:$1-$24,999
Amount delinquent: $2,147 Bankcard utilization: 79%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: first-power-hunter Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a Minivan For my Family
Purpose of loan:
This loan will be used to? Buy a nice used Minivan. I'm scared to finance thru those small dealers buy here pay here...I have save already $3500 but i still need a little more to buy it...I rather pay here every month and feel secured..

My financial situation:
I am a good candidate for this loan because? I am very responsible making my payments...The only reason that appear a delinquent on my credit was because of the apartment complex where i used to leave..I'm fighting it? with my lawyer.
I WILL NEVER LET YOU DOWN..I WILL PAY MY MONTHLY PAYMENTS WITH NO PROBLEM...

Monthly net income: $ 2900
Please let me know if you have any questions? and thank you all for supporting this loan...


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $191.03
 
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: Sep-2003 Debt/Income ratio: 19%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 17 / 17Length of status:3y 2m
Credit score: 660-679 (Jul-2010) Total credit lines: 26 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $4,417Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 97%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: unafraid-coin1 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 off minor credit cards
Purpose of loan:
Pay off credit cards and consolidate debt.

My financial situation:
I never pay ANYTHING LATE!

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 120
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $?
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $20,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $743.27
 
Auction yield range: 16.93% - 19.00% Estimated loss impact: 19.06%  
Lender servicing fee: 1.00% Estimated return: -0.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1986 Debt/Income ratio: 95%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 9Length of status:4y 2m
Credit score: 720-739 (Jul-2010) Total credit lines: 15 Occupation: Other
Now delinquent: 0 Revolving credit balance: $85,180Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: compatible-listing Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit lines
Purpose of loan:
This loan will be used to? consolidate credit cards

My financial situation:
I am a good candidate for this loan because?
I am not afraid to work hard to pay back my obligations
Monthly net income: $
2800.00
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 150
??Car expenses: $100
??Utilities: $?100
??Phone, cable, internet: $ 75
??Food, entertainment: $?300
??Clothing, household expenses $100
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467681
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 11.09% Starting monthly payment: $286.20
 
Auction yield range: 3.93% - 8.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 5.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1999 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:7y 0m
Credit score: 760-779 (Jul-2010) Total credit lines: 11 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $9,977Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 30%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: magnetic-benjamins8 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
Couple needing help - tight spot
Purpose of loan:
Hi, my husband and I need help to get through a rough spot for living expenses, student loan repayments & some credit card debt from our recent wedding. He?graduated last year from a top 5 law shool in the country with the promise?from a?large firm job offer. However, as soon as he?passed the Bar,?the incoming hires were no longer welcome at this firm?(due to the economy). The legal market has not improved yet?and he & I both?can't make?all our payments on my salary and his part-time temporary clerkship. Combined we?have many student loans and credit card debt. He and I are both highly motivated individuals who work hard and strive for success.

My financial situation:
I am a good candidate for this loan because I am financially stable with my?professional?office job?and my husband is a great prospect to eventually land a high paying position at a law firm. The values my parents taught me were to always make sure I make payments for any loan/debt on time and in the full amount. I pride myself on this and that is somewhat why I'm requesting this current loan in the first place
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 25.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $361.89
 
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-1997 Debt/Income ratio: 44%
Basic (1-10): 2 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 5Length of status:6y 2m
Credit score: 660-679 (Jul-2010) Total credit lines: 20 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $6,839Stated income:$50,000-$74,999
Amount delinquent: $838 Bankcard utilization: 102%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: active-wealth5 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
Having trouble, need help.
Purpose of loan:
This loan will be used to pay off debt and create a cushion for unforeseen difficulties.

My financial situation:
I am a good candidate for this loan because until this current financial crisis, I have made all of my payments on time or early.? In addition to my income, my husband works full time.? As you can see, we make a good amount of money, but some abnormal bills have popped up, and we are having a hard time.? With this loan, we could pay off a couple of credit cards, and create extra money at the end of the month.

Monthly net income: $ 4400

Monthly expenses: $ 4200
??Housing: $ 900
??Insurance: $ 200
??Car expenses: $800
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467765
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 22.99% Starting borrower rate/APR: 23.99% / 26.28% Starting monthly payment: $392.28
 
Auction yield range: 10.93% - 22.99% Estimated loss impact: 10.56%  
Lender servicing fee: 1.00% Estimated return: 12.43%  
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: Nov-1990 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Not employed
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:0y 3m
Credit score: 740-759 (Jul-2010) Total credit lines: 22Stated income:Not employed
Now delinquent: 0 Revolving credit balance: $31,333 
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: New-Doorz-Open Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Payoff
Purpose of loan:
This loan will be used to pay off an existing credit card that the rate was recently increased and I would rather pay interest to people who?are willing to help their peers and earn a little something for themselves.

My financial situation:
I am a good candidate for this loan because I have never been late on any bills, loans, or rent. I have good to excellant credit scores and while right now I am unemployed. I am receiving benefits and also have additional income through other investments and alimony/ child support. I have also been a lender in the past.

Monthly net income: $ 2400.00

Monthly expenses: $?2318.00
??Housing: $ 975.00
??Insurance: $?100.00
??Car expenses: $ 50.00
??Utilities: $ 148.00
??Phone, cable, internet: $ 105.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 500.00 (?$200.of which will be paid off by this loan)
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467771
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1984 Debt/Income ratio: 50%
Basic (1-10): 5 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 10 / 8Length of status:25y 1m
Credit score: 660-679 (Jul-2010) Total credit lines: 25 Occupation: Tradesman - Carpent...
Now delinquent: 0 Revolving credit balance: $50,750Stated 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: magnetic-durability4 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
purchase R V AND TAKE CLASSES
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 467783
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1989 Debt/Income ratio: 6%
Basic (1-10): 3 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 should have no trouble making the monthy payments.? 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 467789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $154.61
 
Auction yield range: 2.93% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1992 Debt/Income ratio: 11%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 9 / 8Length of status:3y 6m
Credit score: 780-799 (Jul-2010) Total credit lines: 22 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $17,642Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: impressive-deal362 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a credit card
Purpose of loan:
This loan will be used to pay down part of my credit card balance at a lower interest rate.?

My financial situation:
I'm a business analyst with over 13 years of experience in my field.? My job position is secure and even in this uncertain market my job skills are flexible enough to allow me to find another position easily if that were required.? I own my home, pay my bills on time and have a 4 month emergency fund that would cover all expenses including loan payments.? I have a credit card balance because of some unforeseen expenses when family members passed away and from a move.? I want to pay the credit card balance off faster and with a lower interest rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467795
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $84.90
 
Auction yield range: 13.93% - 29.00% Estimated loss impact: 15.33%  
Lender servicing fee: 1.00% Estimated return: 13.67%  
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: Jan-1984 Debt/Income ratio: 43%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 14 / 13Length of status:5y 6m
Credit score: 680-699 (Jul-2010) Total credit lines: 24 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $13,404Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 2    
Screen name: peaceful-liberty3 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto purchase
Purpose of loan:
My original listing was to borrow money to consolidate some bills.? Now I am asking to borrow to buy a used car.? My truck has died out on me and to buy a used car for $2000 would cost less than to fix the truck.?

My financial situation:
I pay all my bills on time and never late?with the exception of 2 late payments in the past 7 years.??

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ My wife pays for all house expenses
??Insurance: $ Wife
??Car expenses: $?
??Utilities: $ 200
??Phone, cable, internet: $ 250
??Food, entertainment: $ 300
??Clothing, household expenses $?Wife??
? Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467807
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.0%  
   
 
Starting lender yield: 19.88% Starting borrower rate/APR: 20.88% / 23.13% Starting monthly payment: $94.03
 
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: Sep-1991 Debt/Income ratio: 34%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 11 / 9Length of status:7y 8m
Credit score: 780-799 (Jul-2010) Total credit lines: 40Stated income:$1-$24,999
Now delinquent: 1 Revolving credit balance: $3,438 
Amount delinquent: $242 Bankcard utilization: 37%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: power-path1 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
vacation & fixing my car
Purpose of loan:
This loan will be used to take a vacation and fix my car.?

My financial situation:
I am a good candidate for this loan because I pay my debts in a timely manner? and I am able to pay this one without a problem and also my two children in law enforcement gives me an allowance every month. This note will not be a problem.

Monthly net income: $ 1416

Monthly expenses: $
??Housing: $ 0 own it
??Insurance: $?50
??Car expenses: $ 0 own it.
??Utilities: $ 228
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100?
??Clothing, household expenses $
??Credit cards and other loans: $ 190
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6%  
   
 
Starting lender yield: 6.10% Starting borrower rate/APR: 7.10% / 7.44% Starting monthly payment: $98.95
 
Auction yield range: 2.93% - 6.10% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1995 Debt/Income ratio: 20%
Basic (1-10): 10 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 15 / 12Length of status:7y 3m
Credit score: 800-819 (Jul-2010) Total credit lines: 40 Occupation: Administrative Assi...
Now delinquent: 0 Revolving credit balance: $4,604Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 8%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: glimmering-p2p6 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
Consolidating debt plus personal
Purpose of loan:
This loan will be used to pay off my $1, 000 PNC Bank credit card, $1,200 Disover card and use the remainding to buy a much needed horse trailer.

My financial situation:
I am a good candidate for this loan because I have steady employment and have been working at the Cincinnati Zoo for a little over 7 years. My position is one that will never cease to exist.??I handle all the donation monies (member, non-member, government and compnaies)?that come into the Zoo and make sure they are properly placed in the correct fund as well as handle all the $1,000 and above donor memberships.?I also have never been late on any of my payments and I have always paid above the "min" amount due. I am looking to get a lower interest rate and consolidate both credit cards. I also have just paid off my 2004 Jeep Wrangler, never missed a payment and was automatically deducted from the checking account bi-weekly.

The remainding money will be used towards a much needed horse trailer. I know that is not a necessity, but I would like to be able to transport my horse to local parks and shows. I also would like to help out the local equine rescue groups with transporting rescued slaughter bound horses. There is such a need for help in that area and being the animal lover that I am, I feel that would be a great use of volunteering my time.

Thank you for considering my loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: 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: $365.36
 
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: Jul-1988 Debt/Income ratio: 37%
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 8Length of status:16y 1m
Credit score: 760-779 (Jul-2010) Total credit lines: 34 Occupation: Scientist
Now delinquent: 0 Revolving credit balance: $17,196Stated 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: treasure-voltage 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
credit card debt
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 467849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $98.22
 
Auction yield range: 7.93% - 10.00% Estimated loss impact: 8.21%  
Lender servicing fee: 1.00% Estimated return: 1.79%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1997 Debt/Income ratio: 10%
Basic (1-10): 8 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 10 / 9Length of status:8y 10m
Credit score: 720-739 (Jul-2010) Total credit lines: 30 Occupation: Other
Now delinquent: 0 Revolving credit balance: $12,697Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: veritasa7x Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,600.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Unexpected car repair
Purpose of loan:
This loan will be used to make an unexpected repair on my truck (new transmission). I am not sure of the reason for my ?C? rating. I believe it is due to my recent investigations into obtaining student loans to go to graduate school and to refinance?my existing mortgages. Of the active loans listed above, three are from the purchase of my home five years ago. Of which, one of those loans will be paid off in September. Three are existing student loans from my undergrad degree. The remaining are credit cards, which have about 50% of the limit out on them.

Monthly net income: approx. $4500 (I also receive quarterly performance bonuses. The next comes at the end of August)

Monthly expenses: approx. $3000
Housing: $1500
Car expenses: $200
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses $200
Credit cards and other loans: $200
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467851
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.0%  
   
 
Starting lender yield: 22.63% Starting borrower rate/APR: 23.63% / 25.92% Starting monthly payment: $468.47
 
Auction yield range: 7.93% - 22.63% Estimated loss impact: 8.54%  
Lender servicing fee: 1.00% Estimated return: 14.09%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1977 Debt/Income ratio: 44%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 28 / 27Length of status:12y 5m
Credit score: 700-719 (Jul-2010) Total credit lines: 71 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $27,566Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 69%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 1    
Screen name: bazaar-paradise744 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2008)
 
Principal balance: $5,379.62 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
Pay expenses and daughter's wedding
Purpose of loan:
This loan will be used to pay some pending expenses (home / auto repairs) and deposits required for daughter's wedding. Part of the proceeds will be used to pay down the current Prosper loan.

My financial situation:
I am a good candidate for this loan because my financial position continues to improve. Have been paying down debt especially high interest accounts. Job remains stable and company expects a solid year (fiscal year ends 10/31/10).

Monthly net income: $ 6,050

Monthly expenses: $ 4,090
??Housing: $ 2,165
??Insurance: $ 325
??Car expenses: $ 80
??Utilities: $ 235
??Phone, cable, internet: $85
??Food, entertainment: $ 80
??Clothing, household expenses $60
??Credit cards and other loans: $ 900
??Other expenses: $ 160
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 9.72% Starting monthly payment: $319.77
 
Auction yield range: 2.93% - 8.38% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Self-employed
Enhanced (1-5):4 Current / open credit lines: 7 / 4Length of status:5y 3m
Credit score: 840-859 (Jul-2010) Total credit lines: 19 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: engrossing-silver5 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
Purpose of loan:
This loan will be used to pay off a couple of double digit credit cards.? I had been financing the exponential growth of my financial planning practice with these types of loans and decided that there is no need for me to pay rates approaching 12 to 15% when my credit record is sound and the rates on CDs and treasuries are hovering?at 3% and below.? I don't pay the others off because I have them locked in at single digit rates.? I would never borrow from my clients; however, with the kinds of rates available via Prosper, I may advise them to consider investing a portion of their capital?in these kinds of private loans to increase income.

My financial situation:
I am a good candidate for this loan because I've been?a?financial planner/advisor?for 21 years with a long track record of paying my bills and my debts?on time.? I practice what I preach and I know the importance of keeping?my credit record unblemished.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5%  
   
 
Starting lender yield: 18.90% Starting borrower rate/APR: 19.90% / 22.14% Starting monthly payment: $92.78
 
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: Sep-2004 Debt/Income ratio: 11%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:1y 10m
Credit score: 660-679 (Jul-2010) Total credit lines: 9 Occupation: Student - College G...
Now delinquent: 0 Revolving credit balance: $4,450Stated 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: unconquerable-yield5 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 cards
Purpose of loan:
This loan will be used to pay of one of my high interest credit cards. My three other cards have low interests rates and I will be able to pay them off by the end of this year.

My financial situation:
I am a good candidate for this loan because I have a fixed income from a teaching fellow position. My income varies because during the fall, winter and spring terms (9 months) I have a higher teaching load and get paid $2500/mo. During the summer term I don't have that many classes to teach and get $2000/mo for 3 months.

My expenses are not very high and I have enough to make the monthly payments. I'm just looking for a lower interest rate than what I pay right now so I can pay off more of the principal.

Monthly net income: $2000 to $2500

Monthly expenses: $ 1300
??Housing: $ 300
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467875
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1986 Debt/Income ratio: 45%
Basic (1-10): 2 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 18 / 18Length of status:26y 5m
Credit score: 680-699 (Jul-2010) Total credit lines: 52 Occupation: Postal Service
Now delinquent: 1 Revolving credit balance: $19,710Stated income:$50,000-$74,999
Amount delinquent: $5,642 Bankcard utilization: 58%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 8    
Screen name: deal-twister Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
This loan will be used to?pay all my bills.? I just want a chance to get my credit in good standing again
.
My financial situation:
I am a good candidate for this loan because?I have a full time job and can have the payment deducted right from my check.? I want to pay off all my debts to get ready for retirement.

Monthly net income: $4500.00 ???

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 60.00
??Car expenses: $ 202.00
??Utilities: $ 225.00
??Phone, cable, internet: $ 210.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467887
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $203.56
 
Auction yield range: 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-2005 Debt/Income ratio: 19%
Basic (1-10): 4 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 5 / 5Length of status:6y 5m
Credit score: 640-659 (Jul-2010) Total credit lines: 5 Occupation: Construction
Now delinquent: 0 Revolving credit balance: $772Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 96%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: payout-synapse0 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
Engagement Ring
Purpose of loan:
To buy an engagement ring for my girlfriend of 5 years (this September). I was originally saving up to buy a ring with cash, but had to spend the money to go back to night school for licensing as an electrician. I would normally wait a bit longer but I was starting to plan the proposal and no longer have the money for the ring. I was going to propose on our anniversary in September.

My financial situation:
I am a good candidate for this loan because I am a hardworking individual who always pays his bills on time, and more than expected. When I work overtime I often pay the next month's bill early. With this loan used to pay off the remainder of my other loans, payments for this will not be any problem, as they will accumulate two the total of the other loans, also I plan to pay back a majority of this loan early with taxes from next year. While I do make enough to afford the payments without a tax return it is a nice buffer to have.

Monthly net income: $2200
Monthly expenses: $
? Housing: $500
? Insurance: $130
? Car expenses: $300
? Utilities: $70
? Phone, cable, Internet: $100
? Food, entertainment: $240
? Clothing, household expenses $50
? Credit cards and other loans: $200
? Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467893
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $339.27
 
Auction yield range: 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-1997 Debt/Income ratio: 72%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:0y 8m
Credit score: 740-759 (Jul-2010) Total credit lines: 13 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $1,461Stated 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: unconquerable-peace1 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
Funds to revitalize my real estate
Purpose of loan:
This loan will be used?to invest in residential real estate.? I pledge to improve neighborhoods not being used to their fullest highest and best use by beautifying ?houses.? This to me is like creating works of art and gives me ?a rewarding feeling.? There is nothing like loving what you do as a career.

My financial situation:
I am a good candidate for this loan because I always pay my debts, which is why I have maintained a good credit score.?

Monthly net income: $

Monthly expenses: $ 975.
??Housing: $
??Insurance: $ 63.
??Car expenses: $ 292.34
??Utilities: $ 100.???
??Phone, cable, internet: $ 75.
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $?60
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2000 Debt/Income ratio: 20%
Basic (1-10): 7 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:5y 7m
Credit score: 700-719 (Jul-2010) Total credit lines: 31 Occupation: Professional
Now delinquent: 0 Revolving credit balance: $3,888Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: ben24143 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my last High Balance CC
Purpose of loan:
This loan will be used to pay off my last high balance credit card. I tried to get $5,000 but the loan didnt get funded. I'm going to try a lower amount and come up with some of my own cash to get this baby paid off.

My financial situation:
I have a good credit score and never pay my bills late. i messed up my credit when i was in my early 20's, but i have worked hard to rebuild it. i recently built a new home and am in good financial shape. Just look at my delinquencies in the last 7 years... 0
Monthly net income: $ My wife and i combined bring in $4400 a month in net income.

Monthly expenses: $?
??All of our expenses with entertainment, food, and gas a month are $3,000 so i have around $1400 a month leftover. Some people may ask why i havent saved enough to pay off the card already, agian we just built and moved into a house so that has taken a lot of savings for down payment and moving expenses. I just want to get rid of this credit card as fast as i can at the best rate. My total credit lines show a high number, because i have a bunch of individual student loans. After this credit card is paid off, i'm going to tackle the student loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1991 Debt/Income ratio: 3%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 1Length of status:3y 11m
Credit score: 640-659 (Jul-2010) Total credit lines: 51 Occupation: Teacher
Now delinquent: 11 Revolving credit balance: $0Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: schoolteacher Borrower's state: Texas 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: 27 ( 77% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 7 ( 20% )  
600-619 (Dec-2009)
520-539 (Jan-2008)
540-559 (May-2006)
 
Principal balance: $0.01 31+ days late: 1 ( 3% )
Total payments billed: 35  
Description
Teacher needs a car for the family
My family is in need of an automobile.? Currently, we are in need of a second car in an effort to get to work on different sides of town.? Initially, we had two vehicles, but due to engine trouble we no longer do.? It has been quite difficult to take my brother to both of his jobs daily.? Thankfully, I am on summer break, but I dread the start of the new school year.? It will be almost impossible to get to different sides of town in the morning without at least one of us being late.? I would like to borrow $1000 to serve towards a downpayment on a Toyota Camry.? The Camry currently comes with two years free maintenance which is a wise move for anyone in need of a reliable car.? Also, it will change our lives daily as we continue to work and progress financially.

My financial situation:
I am a good candidate for this loan because I have had a successful loan with Prosper in the past.? My first loan was completed in the time expected and was paid off very well.? The amount of my first loan is the same as the one I am requesting?presently.?Therefore, I will take care of this loan in the same manner as the one before.

Monthly net income: $ 2800 month (my income only).? Our first vehicle is paid off and I have made significant improvement in my credit over the last few years.?

Monthly expenses: $
??Housing: $ 335 (I pay?half the rent which is $670)
??Insurance: $?193 (Auto), $108 (Aflac), $39?(Renters insurance)
??Car expenses: $ 0 - 40 (Oil change?every?3 months)
??Utilities: $ 250
??Phone, cable, internet: $ 0 (My brother pays this)
??Food, entertainment: $ 350 - 400 (My brother pays half of this)
??Clothing, household expenses $? 0 - 100
??Credit cards and other loans: $??20
??Other expenses: $? Storage (My deceased Mother's things) $169
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467917
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $86.66
 
Auction yield range: 3.93% - 14.00% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 11.85%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1991 Debt/Income ratio: 19%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 5 / 3Length of status:11y 10m
Credit score: 760-779 (Jul-2010) Total credit lines: 33 Occupation: Sales - Commission
Now delinquent: 1 Revolving credit balance: $625Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 4    
Screen name: anthonysanto Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 29 ( 100% ) 760-779 (Latest)
Principal borrowed: $17,000.00< 31 days late: 0 ( 0% )  
740-759 (Feb-2010)
760-779 (Sep-2008)
800-819 (Jan-2008)
820-839 (Jul-2007)
 
Principal balance: $6,522.42 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
For a dental procedure
Purpose of loan:
I will be using this loan to pay for a dental procedure.
My financial situation:
I have been working for the same employer for 12 years now, business has been picking up there recently.? The delinquencies in my credit reflect a nasty divorce I went through a couple of years ago where I was forced to short sale on my home,? other then that my credit has been?well maintained?over the course of my life.? This is the third prosper loan I have applied for in the last 5 years, I?have never defaulted or made a late payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 8.20% Starting borrower rate/APR: 9.20% / 12.75% Starting monthly payment: $31.89
 
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: Apr-1998 Debt/Income ratio: Not calculated
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 2 / 2Length of status:1y 0m
Credit score: 720-739 (Jul-2010) Total credit lines: 7 Occupation: Food Service
Now delinquent: 2 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $1,518 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 3    
Screen name: ologist939 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
Need to downplay debts!!
Purpose of loan:
This loan will be used to help pay off some debts.

My financial situation:
I am a good candidate for this loan because I'm a full time student with a full time job. Working hard...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.75% Starting borrower rate/APR: 9.75% / 11.85% Starting monthly payment: $273.27
 
Auction yield range: 3.93% - 8.75% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.63%  
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: Mar-1997 Debt/Income ratio: 23%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 7Length of status:14y 1m
Credit score: 760-779 (Jul-2010) Total credit lines: 26 Occupation: Other
Now delinquent: 0 Revolving credit balance: $15,559Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 47%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: responsibility-brigade Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 760-779 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
780-799 (Sep-2009)
 
Principal balance: $6,449.09 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
No Credit Cards! We Rather Pay YOU!
Purpose of loan:
We?are a family of 4 making the commitment to be a cash-only family!? So far we have been chipping away at?our debt.? All credit card use has stopped but unfortunately we are really making the companies mad.? They have been trying to increase our APRs and reduce our credit lines.? Please help us get rid of these cards once and for all.? We want one easy payment made out to you, not them!

My financial situation:
This would be our second loan with Prosper!?? We have never been late making a payment to anyone! We are both working extra jobs to make extra money.? Our credit is in great shape!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.7%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
 
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: 29%
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 fund a new business.
My financial situation:
I am appling for this loan to fund a new yahoo online store.? This loan will be used for start up cost and budgeted marketing.? Thank you.

Monthly net income: $ 2200
Monthly expenses: $?Housing: $?500
Insurance: $?85
Car expenses: $???120
Utilities: $??0
Phone, cable, internet: $??40
Food, entertainment:?$??200
Clothing, household expenses$?0
Credit cards and other loans:?$???350
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2001 Debt/Income ratio: 19%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 4 / 4Length of status:2y 5m
Credit score: 660-679 (Jul-2010) Total credit lines: 11 Occupation: Clerical
Now delinquent: 1 Revolving credit balance: $417Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 14    
Screen name: Lovely083 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? consolidate my debt. I plan to use this loan to pay off my car, and my furniture, as well as my credit card balances.

My financial situation:
I am a good candidate for this loan because? I am a responsible borrower. I have no delinquent accounts although my credit profile on Prosper says I have 1 account now delinquent. I am not sure as to why it says this. I pulled all 3 credit reports and scores before?applying with Prosper and they were all 660+ with 0 delinquent accounts and no collections. I have always paid my bills. I am a newlywed. Our home, which was purchased last year, is solely in my name. This was done because my husband?s credit was not up to par at the time. His credit has since been repaired. I used a portion of my savings to help pay off his debt so that we will be able to have a better future. Although the home is in my name I pay no part of the mortgage. I am only responsible for the utilities, cable, phone, internet, car insurance and $145 of my $245 car note. We do it this way because I used a portion of my savings before we were married to help pay off a lot of my husbands debt. I was approved recently approved at a local bank for a $4K loan, with $2K to be unsecured and $2k to be secured by our savings. My husband and I did not want to do this because we are now in the process of starting to make home improvements with our savings. I had some delinquencies on a student loan and Macy's card back in 08, but they were not delinquent because of me. My father always paid these bills monthly. When he was laid off he often paid late or not at all. I found out once I started receiving collection calls and upon finding out I immediately started making the payments to get it caught up and eventually paid them off. Those should be the 14 delinquencies in the past 7 years that are in my credit profile.

Monthly net income: $ 2100

Monthly expenses: $
??Housing: $ 0 (
??Insurance: $ 95
??Car expenses: $ 145
??Utilities: $ 150
??Phone, cable, internet: $100
??Food, entertainment: $? 50
??Clothing, household expenses $50
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468069
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2000 Debt/Income ratio: 20%
Basic (1-10): 4 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: 27 ( 77% ) 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 ( 20% )
Total payments billed: 35  
Description
Loan to grow business!!!! 2nd loan!
Thank you for reading my listing and hope you will support it!!

Who Am I?
A friend and I started Continental Wrestling Federation, a professional wrestling organization. We're 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 where the audiences range from 150 to our largest at 350. I placed a promo video about us on our website.

My request:
I am requesting a $12,000 Prosper loan that will be used over the next 5 years to handle office and storage fees, improve equipment, venue rentals as well as additional safety like pads, tools etc. Overall; we want to improve our production quality and safety to attract more sponsors and increase our fanbase..

I am a good candidate for this listing because this my 2nd loan with Prosper, I have an excellent job with my employer and am current with creditors. I am currently in the best position I have ever been in my life.

About my Prosper Loan History
My lending details says I was late with 8 payments but in November '09, I had an 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. Payments were for November 2009-February 2010.I spoke with customer service 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. For proof, 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 financial situation
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 468075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 34.5%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $669.49
 
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: Aug-1998 Debt/Income ratio: 58%
Basic (1-10): 1 Inquiries last 6m: 9Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 12 / 10Length of status:44y 10m
Credit score: 700-719 (Jul-2010) Total credit lines: 31 Occupation: Police Officer/Corr...
Now delinquent: 0 Revolving credit balance: $29,199Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 75%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: direct-p2ploan8 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 smaller debts
Purpose of loan:
This loan will be used to? PAY OFF SMALL CREDIT DEBTS

My financial situation:
I am a good candidate for this loan because?
GOOD WORK AND CREDIT/PAYMENT HISTORY
Monthly net income: $ 1900 PLUS

Monthly expenses: $
??Housing: $
??Insurance: $ 156 MONTH
??Car expenses: $100 MONTH?
??Utilities: $ 200 MONTH
??Phone, cable, internet: $ 158 MONTH
??Food, entertainment: $ 168 MONTH
??Clothing, household expenses $ 179 MONTH
??Credit cards and other loans: $900 MONTH?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1990 Debt/Income ratio: 55%
Basic (1-10): 3 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:5y 10m
Credit score: 660-679 (Jul-2010) Total credit lines: 20 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $3,110Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 60%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 19    
Screen name: priceless-agreement3 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Start-Up Funding
Purpose of loan:
This loan will be used to fund a business startup that I feel strongly will be successful.? I have studied the area, which is high tourist traffic and I have the lease in hand, product ready to be shipped, which is well-known and highly sought out by tourists and the general public.? This business will generate more than triple the monthly loan payment on a daily basis. Everything is ready to go, I just need more funding.

My financial situation:
I am a good candidate for this loan because I am not afraid of hard work or long hours, and will do everything in my power to make this business succeed.? I have thoroughly researched the area and the product, and strongly believe in the success of this venture.

Monthly net income: $ 2,000

Monthly expenses: $ 1350.00
??Housing: $ 500
??Insurance: $?70
??Car expenses: $ 300
??Utilities: $ 40
??Phone, cable, internet: $80
??Food, entertainment: $ 140
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 130
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468093
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.25% Starting borrower rate/APR: 26.25% / 28.57% Starting monthly payment: $101.06
 
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: May-2005 Debt/Income ratio: 19%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 6Length of status:2y 7m
Credit score: 680-699 (Jul-2010) Total credit lines: 7 Occupation: Student - College S...
Now delinquent: 0 Revolving credit balance: $10,884Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: the-rate-human 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
Funds for College Books
Purpose of loan:
This loan will be used to? I'm estimating my community college books and tuition to cost around $1700 for the fall semester, and I have a scheduled maintenance for my vehicle that will be due in about 10 days which will cost me around $600.?

My financial situation:
I am a good candidate for this loan because? I'm a responsible person who'se adamant about payments being made in a timely fashion.? I can easily set aside $250 - 300 a month to repay this loan.? I recently moved back home for a while and am now working part time, so my only expenses are my own and I contribute to the utilities to help around the house.? I am borrowing the money to help my credit with hopes to be able to? finance a nicer car in 10-12 months when I begin working full time again..

Monthly net income: $ 1464

Monthly expenses: $ 1025
??Housing: $ 0
??Insurance: $ 45
??Car expenses: $ 200
??Utilities: $ 250
??Phone, cable, internet: $ 80
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468099
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 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: 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-1975 Debt/Income ratio: 106%
Basic (1-10): 3 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):1 Current / open credit lines: 30 / 29Length of status:0y 4m
Credit score: 760-779 (Jul-2010) Total credit lines: 96 Occupation: Other
Now delinquent: 0 Revolving credit balance: $81,148Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 88%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: ponchita Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 760-779 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
780-799 (Jun-2010)
780-799 (May-2010)
780-799 (Mar-2010)
780-799 (Feb-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Credit Card Relief
Purpose of loan:
I am resubmitting this loan as it did not fund.? I am not sure why it did not fund but I would really like to
see this funded.? If lenders have any questions please ask.? I have an excellent credit score and
I would like to consolidate my credit card debt into one monthly payment.?? This would be much easier and cheaper each month.? Below is what I pay each month.?

My financial situation:
Monthly Income???????????????????????????? $2800
Monthly Credit Card Payments?????????? 900
Utilities?????????????????????????????????????????? ??300
Car Expense???????????????????????????????????? 150
Phone, Cable, etc????????????????????????????? 180
Insurance????????????????????????? ??????????????? 100
Food & Clothing???????????????????????????????? 400
Savings???????????????????????????????????????????? 200
Total???????????????????????????????????????????? $?2230?????????????????????????????????


I have an excellent payment history and would not have a problem repaying
this loan.? I am employed and have a steady income.? I appreciate the lenders'????
response.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468105
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.0%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $806.68
 
Auction yield range: 7.93% - 9.00% Estimated loss impact: 8.18%  
Lender servicing fee: 1.00% Estimated return: 0.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1991 Debt/Income ratio: 34%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 22 / 19Length of status:11y 6m
Credit score: 720-739 (Jul-2010) Total credit lines: 45 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $149,172Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 67%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: enchanted-transparency8 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, excellent borr
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 468117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.0%  
   
 
Starting lender yield: 13.99% Starting borrower rate/APR: 14.99% / 17.16% Starting monthly payment: $103.98
 
Auction yield range: 13.93% - 13.99% Estimated loss impact: 14.60%  
Lender servicing fee: 1.00% Estimated return: -0.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1994 Debt/Income ratio: 32%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 5 / 4Length of status:1y 5m
Credit score: 640-659 (Jul-2010) Total credit lines: 21 Occupation: Other
Now delinquent: 0 Revolving credit balance: $500Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 100%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: hope-sitar0 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 my credit card
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468129
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1994 Debt/Income ratio: 4%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 1 / 1Length of status:0y 9m
Credit score: 720-739 (Jul-2010) Total credit lines: 33 Occupation: Retail Management
Now delinquent: 8 Revolving credit balance: $0Stated income:$1-$24,999
Amount delinquent: $770 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 1 Homeownership: No  
Delinquencies in last 7y: 54    
Screen name: stable-gold2 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
to pay off a couple of little loans
Purpose of loan:
This loan will be used to?pay off two little loans and buy school cloths.?

My financial situation:
I am a good candidate for this loan because?im trying to rebuild my credit back up.?

Monthly net income: $ 1800.

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 60
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $316.65
 
Auction yield range: 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-2003 Debt/Income ratio: 6%
Basic (1-10): 4 Inquiries last 6m: 4Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 6 / 5Length of status:1y 11m
Credit score: 740-759 (Jul-2010) Total credit lines: 10 Occupation: Laborer
Now delinquent: 0 Revolving credit balance: $8,782Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 45%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: red-euro-rascal 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
loan consolidation
Purpose of loan:
This loan will be used to?
loan consolidaion
My financial situation:
I am a good candidate for this loan because?
I make enough money monthly to make the monthly payment along with my other bills
Monthly net income: $
5000
Monthly expenses: $
??Housing: $ 2400
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 84
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?30
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 22.24% Starting monthly payment: $222.98
 
Auction yield range: 10.93% - 19.00% Estimated loss impact: 10.45%  
Lender servicing fee: 1.00% Estimated return: 8.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1996 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 5 / 5Length of status:0y 3m
Credit score: 740-759 (Jul-2010) Total credit lines: 31 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,321Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 38%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: restless-payment2 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
Investment in a rental property.
Purpose of loan:
This loan will be used to enable me to make an offer on an additional rental property in my area. They are both properties that are solid but need a little TLC, which I can do due to the fact I work part time and have the spare time to invest sweat equity into their upkeep and management. Both properties are fully rented and generate positive income.

My financial situation:
I am a good candidate for this loan because I have a history of loan completion, am good at working with people (to keep happy tenants) and firm with rules and policies (to keep tenants paying). I will have about $12000 of my own cash also invested into the properties for the down payments and therefore have a vested interest in doing what is needed to make the properties generate income and to complete the loan.

Monthly net income: $ I am netting about $15000 working part time, by choice, so that my wife and I can keep our daughter at home and in day care as little as possible. My wife works full time as a social work manager.

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 60
??Car expenses: $ 0
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,700.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 8.38% Starting borrower rate/APR: 9.38% / 9.72% Starting monthly payment: $278.20
 
Auction yield range: 2.93% - 8.38% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 6.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1999 Debt/Income ratio: 19%
Basic (1-10): 6 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 8Length of status:0y 4m
Credit score: 800-819 (Jul-2010) Total credit lines: 13 Occupation: Biologist
Now delinquent: 0 Revolving credit balance: $1,480Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 6%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: established-pound 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
Consolidating credit card debt
Purpose of loan:
This loan will be used to colsolidate high interest credit card debt that I acquired while earning my PhD.

My financial situation:
I am a good candidate for this loan because I have a great job in biotechnology with a montly income of $6000.? I have always paid my bills and am in a good position now to finally get out from under my high interest grad school debt.? I own my home in an expensive part of the country where housing has been hit badly so I can't access the equity in my house to consilidate these debts right now.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5%  
   
 
Starting lender yield: 7.30% Starting borrower rate/APR: 8.30% / 8.64% Starting monthly payment: $110.16
 
Auction yield range: 2.93% - 7.30% Estimated loss impact: 1.50%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1988 Debt/Income ratio: 15%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 8Length of status:0y 3m
Credit score: 840-859 (Jul-2010) Total credit lines: 32 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $4,827Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 10%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: blue-duty-base 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
Paying off all credit cards
Consolidate all of my high interest credit card debt:
This loan will be used to?
Consolidate all of my high interest debt into one with a lower interest rate. Right now with daycare expenses, I'm barely able to pay little more than the minimum monthly amount for the few credit card debts I have. With this loan, I will be able to zero out all of my high interest debt and start saving again. This will greatly increase my family's security and stability.
My financial situation:
I am a good candidate for this loan because I have a secure position with a solid organization that is still expanding. I have a bachelor's degree with over 16 years of professional work experience. I took my latest position because I can make a difference here. I absolutely love my job but I took a major cut in pay and hours to take this job. Within a year or two, I fully expect my hours and pay to increase, but right now, I feel like I'm stuck in financial limbo. I can't stand sending out money just to basically cover interest. I take great pride in my ethics and integrity. I am very responsible and I always fulfill my obligations. I consider myself to be a caring and responsible father, husband, son, brother and friend.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468177
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $271.42
 
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: Apr-1989 Debt/Income ratio: 12%
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 8 / 7Length of status:30y 9m
Credit score: 680-699 (Jul-2010) Total credit lines: 29 Occupation: Other
Now delinquent: 1 Revolving credit balance: $6,501Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 52%  
Public records last 12m / 10y: 0/ 2 Homeownership: No  
Delinquencies in last 7y: 10    
Screen name: newest-honorable-return Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Payday loans
Purpose of loan:
This loan will be used to?
Consolidate payday loans
My financial situation:
I am a good candidate for this loan because? I can make the monthly payment

Monthly net income: $ 2,800

Monthly expenses: $
??Housing: $ 1,500
??Insurance: $ 400 yearly
??Car expenses: $ none paid off
??Utilities: $ 60 monthly
??Phone, cable, internet: $ 129.00 monthly
??Food, entertainment: $ 50.00 every two weeks
??Clothing, household expenses $ 30 monthly
??Credit cards and other loans: $?200.00 every two weeks
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468201
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.33% Starting borrower rate/APR: 26.33% / 28.65% Starting monthly payment: $101.17
 
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: Feb-1982 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 7 Inquiries last 6m: 4Employment status:Self-employed
Enhanced (1-5):1 Current / open credit lines: 12 / 12Length of status:0y 11m
Credit score: 700-719 (Jul-2010) Total credit lines: 42 Occupation: Other
Now delinquent: 0 Revolving credit balance: $45,832Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 68%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: note-delight5 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 bills
Purpose of loan:
This loan will be used to

My financial situation:


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 468207
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $198.84
 
Auction yield range: 3.93% - 17.00% Estimated loss impact: 2.17%  
Lender servicing fee: 1.00% Estimated return: 14.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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: 42%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 17 / 13Length of status:28y 5m
Credit score: 700-719 (Jul-2010) Total credit lines: 67 Occupation: Military Enlisted
Now delinquent: 0 Revolving credit balance: $182,520Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 80%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Military_Enlisted Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Looking for funds
Purpose of loan:
This loan will be used to pay off cc.

My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan or?missed a payment.
Monthly net income: $ 7383
Monthly expenses: $
??Housing: $?1665.00
??Insurance: $ 120.37
??Car expenses: $?646.00
??Utilities: $ 0
??Phone, cable, internet: $87.00?
??Food, entertainment: $300.00
??Clothing, household expenses $50
??Credit cards and other loans: $ 2500
??Other expenses: $
Information in the Description is not verified.