Listing Report:Supplement No. 11 dated Aug 04, 2010 to Prospectus dated Jul 26, 2010
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 26, 2010 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 26, 2010 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 405737
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-2005 Debt/Income ratio: 24%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,520Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: LOOKER4 Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of credit and wedding
The purpose of this loan is to pay off some of my credit card debt and also some upcoming wedding expenses.

I am a good candidate for this loan because I have a full time job. Though my cedit cards are mostly utilized I have no other debt.?No school loans, personal loans, etc.? I make $30,000/year before taxes.? My past year net income was around $23,000.? I am reliable and pay all debts.? I had some issues in the past being a poor college student, but I am now 28 years old and those days are far behind me.

Monthly expenses: $
??Housing: $ 0 Live with parents(but definitely wanna get out)? Buy groceries and other small expenses????
??Insurance: $?127/month
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $?85
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 120
??Other expenses: $ 0

I will answer any questions that you may have and cooperate 100%? I am a honest person who pays ALL debts. I have been lending on prosper for a while but have never sought out a loan.? I hope to fulfill my loan on the first try.? Thank you for looking and hope you can help me!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 463321
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Jul-1980 Debt/Income ratio: 21%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:25y 5m
Amount delinquent: $0 Total credit lines: 5 Occupation: Postal Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: Jimmymsg Borrower's state: Oregon Borrower's group: Vets helping Vets
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 55 ( 93% ) 680-699 (Latest)
Principal borrowed: $18,000.00< 31 days late: 4 ( 7% )  
680-699 (May-2010)
660-679 (Aug-2008)
680-699 (Feb-2007)
 
Principal balance: $4,683.70 31+ days late: 0 ( 0% )
Total payments billed: 59  
Description
My personal loan
Purpose of loan:
My wife has had several minor strokes. We would like to spend Christmas with our son and his family in . We haven?t seen much of them since they moved to . My wife health is slowly declining. I will not be able to retire for another 5 years. I really need to take this trip before her health declines any further. I have always paid off my loans. I paid my last loan on time. The loan I have out now is current. The loan will pay for the trip. It will also help pay for her prescription drugs which she needs. Please look over my record. I always pay my debts. Thank you.

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

Monthly net income: $ 4800

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 46
??Car expenses: $ 30
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 429
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465157
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $314.08
 
Auction yield range: 13.93% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
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 score (1-10): 6 First credit line: Nov-1977 Debt/Income ratio: 29%
Credit score: 700-719 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 56 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,027Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: 2futurenow Borrower's state: Georgia Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 39 ( 93% ) 700-719 (Latest)
Principal borrowed: $26,000.00< 31 days late: 3 ( 7% )  
700-719 (Jan-2010)
660-679 (Nov-2007)
700-719 (Mar-2007)
680-699 (Jan-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 42  
Description
My loan for home improvement
Purpose of loan:
This loan will be used to buy remodeling materials.My son and his wife are just starting out in their married life and careers. They both work hard and are buying a house that is going to require a lot of major repair work. It is a great deal but will require all their cash for the down payment. I would like to help them to be able to make the required necessary repairs by buying the flooring and remodeling materials and the required replacement air conditioner. They can do most of the work themselves if they can get what they need . I am requesting to borrow $7000 for those items to get their house ?move in ready?.
My financial situation:
I am a good candidate for this loan because I have previously paid off 2 Prosper loans totaling approximately $20,000. I have a good paying job and other sources of income

Monthly net income: $8500 (net)?

Monthly expenses: $
??Housing: $1550
??Insurance: $ 200
??Car expenses: $900?
??Utilities: $ 170
??Phone, cable, internet: $ 300
??Food, entertainment: $ 500
??Clothing, household expenses $ 300?
??Credit cards and other loans: $ 500
??Other expenses: $1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $157.04
 
Auction yield range: 13.93% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
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 score (1-10): 6 First credit line: Jul-1991 Debt/Income ratio: 10%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 8 / 8Length of status:6y 0m
Amount delinquent: $11,278 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $801Stated income:$50,000-$74,999
Delinquencies in last 7y: 20 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: priceless-bid5 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to? pay off credit card balances to improve my credit score to start the process of a home purchase.

My financial situation:
I am a good candidate for this loan because? with fewer bills I would be able to pay this loan off sooner and everyone wins.

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $ rent/1000.00
??Insurance: $ 400.00
??Car expenses: $ just insurance on 2 vehicles.
??Utilities: $ 180.00
??Phone, cable, internet: $ 400.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 400.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.67% Starting monthly payment: $60.24
 
Auction yield range: 10.93% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-2001 Debt/Income ratio: 42%
Credit score: 700-719 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,407Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: TheSpecialOne Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 64 ( 96% ) 700-719 (Latest)
Principal borrowed: $12,500.00< 31 days late: 3 ( 4% )  
700-719 (Oct-2007)
700-719 (Feb-2007)
700-719 (Jan-2007)
700-719 (Oct-2006)
 
Principal balance: $592.67 31+ days late: 0 ( 0% )
Total payments billed: 67  
Description
My personal loan
Purpose of loan:
This loan will be used to maintain enough liquid cash while moving due to career advancement.

My financial situation:
I am a good candidate for this loan because I have a history of timely payments including on Prosper.? The few <31 days late dings on Prosper are due to banking snafus...gotta love banks especially when you switch a bank, never seems to go as smooth as they promise. I am gainfully employed with a state university in the Midwest and am actively advancing my career.? My wife had gone back to school to finish her degree and that is part of the reason we have not been able to get as much ahead as of course we would have liked.? She is student teaching this fall, and will then be actively seeking employment, while substitute teaching in the mean time.

Thanks for your support!


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469079
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $498.21
 
Auction yield range: 10.93% - 11.00% Estimated loss impact: 11.03%  
Lender servicing fee: 1.00% Estimated return: -0.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-2001 Debt/Income ratio: 21%
Credit score: 760-779 (Jul-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 14Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 29 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,262Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: keen-diversification 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
Path to beng debt free
Purpose of loan:
This loan will be used to?consolidate credit card debt?to a lower interest rate.

My financial situation:
I am employed in information technology providing ERP support to a major health supplement manufacturing company with great double digit growth.

My spouse is also employed in information technology providing support to a major aftermarket auto parts manufacturing company.
Monthly net income: $ 66820
Spouse - $64420

Monthly expenses: $
??Housing: $ 3100
??Insurance: $ 120
??Car expenses: $?350
??Utilities: $?200
??Phone, cable, internet: $ 110
??Food, entertainment: $ 250
??Clothing, household expenses $ 150?
??Credit cards and other loans: $?1480
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469317
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1999 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jul-2010) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 9Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: virtuous-gain822 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
Need money for school.
Purpose of loan:
This loan will be used to fund my housing and education until my financial aid comes through in the middle of the semester. I?m moving across the state for school and to find housing, I need to show I am financially secure.

My financial situation:
I am a good candidate for this loan because even though I am a student, I have great credit and am very financially responsible. I understand the value of money. To provide an example, back when I was in high school, I worked a job for nine months where the hours continually declined until they reached 1.75-2.5 hours a week for five months. Yet out of all my friends who worked, I was always the one everyone came to borrow money from because I was the only one who managed their money well.

Monthly net income:
I do not have a monthly net income, but when I receive my financial aid, I will obtain grant money as well as a Federal Stafford Loan for $9300.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469777
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $427.22
 
Auction yield range: 5.93% - 13.00% Estimated loss impact: 6.17%  
Lender servicing fee: 1.00% Estimated return: 6.83%  
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 score (1-10): 8 First credit line: Jan-2001 Debt/Income ratio: 22%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,305Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: tidy-contract5 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 Credit Card and Car Loan
Purpose of loan:
I would like to provide a bit more breathing room in my monthly finances by paying off a higher rate card and my car loan.

My financial situation:
I don't NEED the loan.? But I want some more wiggle room from month-to-month.? I have a steady, secure job and a pristine credit history.

Monthly net income: $
3410

Monthly expenses: $
??Housing: $ 950
??Insurance: $ 65
??Car expenses: $ n/a - the car mentioned above is kept at my parents' house and rarely used.
??Utilities: $ 100
??Phone, cable, internet: $ 130
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 910 (after this loan: 600)
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469783
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 8.7%  
   
 
Starting lender yield: 22.65% Starting borrower rate/APR: 23.65% / 27.12% Starting monthly payment: $585.74
 
Auction yield range: 7.93% - 22.65% Estimated loss impact: 9.24%  
Lender servicing fee: 1.00% Estimated return: 13.41%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-2000 Debt/Income ratio: 27%
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:13y 2m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,029Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: a-independent-euro Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan: This loan will be used to pay down the majority owed on my credit cards. The balance of which has gradually increased over the last two years due to my wife losing her job last summer (she has since found a new full time position) and also from needing to travel back and forth to the U.K. to visit my terminally ill father several times as well as funeral expenses incurred, I also had 2 surgeries last year, and though I do have medical insurance and did not lose time at work, there were still deductibles to be paid and expenses related to these surgeries. I am in a situation where I can pay all of my basic living expenses, but unfortunately, cannot pay down large enough amounts each month to reduce my credit card balances significantly which is what I would like to do with one payment rather than several each month.?

My financial situation: I am a good candidate for this loan because I have a secure and well paying job as a manager in an excellent worldwide manufacturing company. I consistently pay all of my bills on time and have not had any late payments with any creditor; I have no defaults or collections and maintain a steady income stream. I also own my own home which is currently worth about $300K which is the approximate balance on the loan. It was purchased for $395K 4 years ago and we have no plans to move any time soon. I also own 2 cars and have no car payments.

Monthly net income: $5000?
Monthly expenses:
$ ??Housing: $ 2400??
Insurance: $ 230??
Car expenses: $ 200??
Utilities: $ 300???
Phone, cable, internet: $ 200??
Credit cards and other loans: $ 1000??
Other expenses: $75 HOA
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469845
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.93% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1989 Debt/Income ratio: Not calculated
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $85,297Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: benevolent-dedication4 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation for hard worker
Purpose of loan:
This loan will be used to? pay off higher debt loans.

My financial situation:
I am a good candidate for this loan because? I am responsible and have always paid my bills.? I live in a modest 15 year old house and drive a 98 Buick that is paid for.? My wife drives a 2007 Honda van.??My wife recently had some unexpected medical bills which caused me to rack up higher cc debt.? It is under control and no further medical bills are anticipated.? Thank you for your consideration.

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 625.47
??Insurance: $ 260
??Car expenses: $ 565.07
??Utilities: $ 240
??Phone, cable, internet: $ 196.50
??Food, entertainment: $ 200
??Clothing, household expenses $ 350
??Credit cards and other loans: $ 1460
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $189.99
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Nov-1979 Debt/Income ratio: 17%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 4 Current / open credit lines: 2 / 2Length of status:3y 10m
Amount delinquent: $4,821 Total credit lines: 30 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 39 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: YAYARUFF Borrower's state: Minnesota Borrower's group: UtopiaLoans.com - Now Over $1 Million in Closed Loans!!
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 91% ) 640-659 (Latest)
Principal borrowed: $3,500.00< 31 days late: 3 ( 9% )  
640-659 (May-2010)
660-679 (Mar-2010)
680-699 (Nov-2009)
680-699 (Aug-2009)
 
Principal balance: $415.13 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
PAY UP MY BILLS
Purpose of loan:
This loan will be used to? BRING ALL MY BILLS CURRENT

My financial situation:
I am a good candidate for this loan because? I DESERVE A BREAK TODAY

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 1387
??Insurance: $ 140
??Car expenses: $ 75
??Utilities: $ 200
??Phone, cable, internet: $ 99
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
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 score (1-10): 1 First credit line: Jun-1998 Debt/Income ratio: 27%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 13Employment status:Employed
Now delinquent: 9 Current / open credit lines: 9 / 11Length of status:10y 3m
Amount delinquent: $11,914 Total credit lines: 51 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,842Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: interest-crusader3 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
Ad Budget for Summer Tour Season
Purpose of loan:
This loan will be used to fund a short term internet advertising campaign for my company, Uncle Sam's New York Tours, which provides Walking Tours, Pub Crawls, Night Tours, and Shopping tours in New York City for guests all over the world.? Our motto is to show you New York, allow you to meet new people, and go home with a story.

Here is the company website that we will be funding advertising for:

www.unclesamsnewyork.com

My financial situation:
I am a good candidate for this loan because we have just finished rebuilding our website, fixed our shopping cart, and we are ready to do some major advertising for the summer, fall and Christmas seasons with Google AdWords.

My Credit Score is a little lower because I have had to access personal sources of credit to fund the rebuilding of our website.

Monthly net income: $ 16,500

Monthly expenses: $
??Housing: $ 2,000
??Insurance: $ 200
??Car expenses: $200
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 1000
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 8000
??Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Jun-2000 Debt/Income ratio: Not calculated
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 0 / 0Length of status:5y 0m
Amount delinquent: $75 Total credit lines: 5 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: AG2009 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 89% ) 680-699 (Latest)
Principal borrowed: $1,050.00< 31 days late: 1 ( 11% )  
660-679 (Aug-2009)
 
Principal balance: $870.60 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Needing to pay for nursing books.
Purpose of loan:
This loan will be used to? purchase my second set of nursing school books.

My financial situation:

I am a good candidate for this loan because? I only owe about $1K on two student loans for nursing school. You can look up my pay charts online to verify my income.? I have a new position that i just started, which will greatly increase my pay and reduce my bills.? I have a $500 bonus due in Jan.? In my opinion, this loan is free money for whoever is willing to bid.



Monthly net income: $ 2100

Monthly expenses: $
??Housing: $ 615.00
??Insurance: $ 63.00
??Car expenses: $ 275.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 43.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 150.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 25.00% Starting borrower rate/APR: 26.00% / 29.52% Starting monthly payment: $201.45
 
Auction yield range: 10.93% - 25.00% Estimated loss impact: 11.42%  
Lender servicing fee: 1.00% Estimated return: 13.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1997 Debt/Income ratio: 13%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,555Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: openness-meadow 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
i want one bill !
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 469883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Nov-2000 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,772Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: dotiankyra Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Educational Loan
Purpose of loan:
This loan will be used to? pay the final debt required from my undergraduate institution.

My financial situation:
I am a good candidate for this loan because? I make my financial obligations my priority and I do not allow any of my debts to become delinquent. I have ample income to repay the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 24.21% Starting borrower rate/APR: 25.21% / 28.71% Starting monthly payment: $299.03
 
Auction yield range: 13.93% - 24.21% Estimated loss impact: 15.30%  
Lender servicing fee: 1.00% Estimated return: 8.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1988 Debt/Income ratio: 14%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 11Length of status:22y 2m
Amount delinquent: $5 Total credit lines: 36 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,027Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: balance-judo7 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?

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 469893
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.93% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
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 score (1-10): 5 First credit line: May-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 26 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,894Stated income:$1-$24,999
Delinquencies in last 7y: 3 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: blue-goal-basis 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 off credit card balances and eliminate debt.

My financial situation:
I am a good candidate for this loan because I will make all my monthly payments on time.??

Monthly net income: $ 800.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 27.48% Starting monthly payment: $255.01
 
Auction yield range: 16.93% - 23.00% Estimated loss impact: 19.62%  
Lender servicing fee: 1.00% Estimated return: 3.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-2003 Debt/Income ratio: 40%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 10Length of status:1y 1m
Amount delinquent: $810 Total credit lines: 21 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,728Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: ChevyStunna 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,195.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2008)
 
Principal balance: $2,350.77 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Return user never missed a payment!
Purpose of loan:
This loan will be used to finish paying off the rest of my other prosper loan and to pay off my final credit card and be completely debt free! If you have any questions feel free to call me or post a question. I have never missed a house payment, car payment, or any loan payment including my 100% on time payments for prosper itself.

My financial situation:
I am a good candidate for this loan because I have never missed a payment of any sort. I have a fulltime position as an electrical technician where i work 45-55 hours a week. I always pay my bills on time.

Monthly net income: $ 2200
Monthly expenses: $ 1105
??Housing: $ 350
??Insurance: $?44
??Car expenses: $?226
??Utilities: $?80
??Phone, cable, internet: $ 50
??Clothing, household expenses $?80
??Credit cards and other loans: $?275

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $111.49
 
Auction yield range: 16.93% - 19.00% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-2003 Debt/Income ratio: 22%
Credit score: 620-639 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:1y 3m
Amount delinquent: $114 Total credit lines: 7 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,638Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: great57chevy Borrower's state: California Borrower's group: AAA Funding Group - Get your loans funded fast!
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,900.00< 31 days late: 0 ( 0% )  
600-619 (Nov-2009)
580-599 (Dec-2007)
 
Principal balance: $780.69 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
2nd Prosper ZERO LATE PAYMENTS SAFE
Purpose of loan:

To pay off an existing loan at over 30%

My financial situation:
I am a good candidate for this loan because? As you can see I am committed to paying off my debt (credit score raised by 40 points since last loan).? I work for an extremely successful advertising agency that is expanding with new business faster than you can believe.? Therefore, my job is 100% secure.? Please check out my Loan history with Prosper - ZERO LATE PAYMENTS in over 30 months.?
All of my current debt is due to my clothing business that I ran from May 2005 to May 2009.? I am very responsible and I have been working nonstop since I earned my bachelor of science degree in business management from an accredited California University.? You have my personal guarantee that this loan will have zero late payments and will be paid back in full.?

I also do side jobs where I make custom tee shirts for local businesses and schools, which generates about $150-$300 a month.

Monthly net income: $ 2300- 2500

Monthly expenses: $
??Housing: Live Rent Free - thanks to family
??Insurance: Free through work
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, Internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 50 or less
??Credit cards and other loans: $ 1200
??Other expenses: $ 100

As you can see my monthly income easily covers my expenses and this new prosper loan.? Also, my loan payments will be cut in half after this loan is used to pay off an existing high interest loan (non prosper at 30%).

Please help me overcome my debt - this is my number one priority.

Thank you and God Bless!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $148.65
 
Auction yield range: 16.93% - 19.00% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1996 Debt/Income ratio: 62%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 13 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,869Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: One3102 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
Bundles (Twins) On the Way
Purpose of loan:
This loan will be used to?Prepare the room for our Twins

My financial situation:
I am a good candidate for this loan because?I pay all my bills/debts and my history shows that?

Monthly net income: $ 2230

Monthly expenses: $
??Housing: $?750.00
??Insurance: $ 65.00
??Car expenses: $ 600.00
??Utilities: $ 47.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,070.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $93.64
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
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 score (1-10): 1 First credit line: Jan-1984 Debt/Income ratio: 44%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 11Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 24 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,848Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 96%  
   Homeownership: Yes  
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 469931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $282.56
 
Auction yield range: 16.93% - 20.00% Estimated loss impact: 25.13%  
Lender servicing fee: 1.00% Estimated return: -5.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: May-2003 Debt/Income ratio: 40%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,627Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: the-attentive-duty 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
Personal Loan needed
Purpose of loan:
Debt consolidation on?some high interest credit cards and a few small home improvements (Roofing and AC)

My financial situation:
Once these things are consolidated i will easily be able to make payments. I pay more then the total would be in credit cards each month so this would actually be saving money each month.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $1175.00
??Insurance: $ 200.00
??Car expenses: $?500.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenes $
??Credit cards and other loans: $ 350.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2005 Debt/Income ratio: 1%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 5 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: first-payout-genetics 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
Auto Loan
Purpose of loan:
This loan will be used to pur

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

Monthly net income: $

Monthly expenses: $
??Housing: $ 304.11
??Insurance: $?
??Car expenses: $ 0
??Utilities: $
??Phone, cable, internet: $ 0
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469941
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,750.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $79.16
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
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 score (1-10): 1 First credit line: Oct-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,548Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: runningman07 Borrower's state: NewJersey 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
Bye Bye Chase Card / 0 delin in 7yr
After talking to several people, including my group leader, I have decided to relist with a smaller amount.

This loan will be used to pay down my chase credit card......

My financial situation:
I had to use my credit cards to pay some bills during the summer months while I waited for income to come in from a second job.

I am a great candidate for this loan because I am extremely consistent with making payments. My plan is to pay this loan back within 18-24 months.

Monthly net income: $2300

Monthly expenses:
??Housing:475 $
??Insurance: 80$
??Car expenses: 120$
??Utilities: 60$
??Phone, cable, internet: 130$
??Food, entertainment: 250$
??Clothing, household expenses 100$
??Credit cards and other loans: 500$

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $94.36
 
Auction yield range: 2.93% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
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 score (1-10): 10 First credit line: Jun-2003 Debt/Income ratio: 3%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 7 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $204Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: calm-diversification Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit card...


I am a good candidate for this loan because I always paid my debt on time...




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Apr-1997 Debt/Income ratio: 54%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 56 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,179Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: dime-resonance Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
First time-paying off credit cards!
Hello, This is my first time in Prosper and thought I would try it out.?? I would like to extend an word of thanks to those that bid on me.
Purpose of loan:
The purpose of this loan is to consolidate those high interest credit cards and reduce my monthly expense.? My goal is to be free from this credit card debt that has placed me in this situation.
My financial situation:
Currently, my financial situation is one in which I work to pay everyone else.? As an educator, I only get paid once a month, it is difficult to budget several payments (to credit cards) with various due dates.? Between the two incomes, we do manage to stay afloat, however, I would like to ease some of this burden by consolidating these credit cards into one easy monthly payment.

My credit score with Experian is 706, I have worked very hard to bring this score up from a 524.? I am confident that my loan will be repaid on time as it will be automatically deducted from my account so there is no excuse for mail getting lost or bad checks.? I will add that my house payment is also automtically deducted from my account and with that, my house payment in 3 years has never been late.? I do have two auto loans, both of these have been on time.? I understand that there are several inquiries on my credit report, this is due to the desparate situation of trying to consolidate these credit cards into one monthly payment.? If a late payment is on?my credit report, there is likely one or only two and can only be on a credit card, all my loans are paid on time.

Monthly net income:
Currently, my monthly income from my full time job is salaried at $40K, I also work part-time as an Adult Literacy Instructor which pays me an additional 8-10K per year depending on funding (in other words, if the funding is less, the year may end in March, if the funding is full, the year will end in July).
I am also up for promotion within the college I currently work for, should that go through for me, I would then be earning $60,000.

Monthly expenses: $
??Housing: $ 1151 (per month)
??Insurance: $?250 (full coverage and GAP per month-for both vehicles).
??Car expenses: $minimal
??Utilities: $ 200 (appox. water, gas, elect)
??Phone, cable, internet: $
??Food, entertainment: $300 (food)?
??Clothing, household expenses $minimal??
??Credit cards and other loans: $ credit cards total balances?are actually?right at about $7500
??Other expenses: $minimal
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 16.93% Starting borrower rate/APR: 17.93% / 21.28% Starting monthly payment: $90.29
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 19.23%  
Lender servicing fee: 1.00% Estimated return: -2.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1990 Debt/Income ratio: 7%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:3y 10m
Amount delinquent: $279 Total credit lines: 26 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,969Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: new-openness-lion 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
Purchasing A Home
Purpose of loan:
The purpose of this loan will be to use funds as a downpayment for an investment?property.

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

Currently, I have low debt-to-income ratio and have two rental properties with positive cash flow totally $800 per month. I have the ability to?analyze which properties will rent quickly and target these areas. I market properties as soon as I have property under contract,? select a tenant?prior to closing to ensure mortgage is paid directly from cashflow.

Monthly net income: $
$4400

Monthly expenses: $
??Housing: $ 1258.00????????
??Insurance: $
??Car expenses: $
??Utilities: $ 170????
??Phone, cable, internet: $ 120
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.46% Starting monthly payment: $61.64
 
Auction yield range: 10.93% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2000 Debt/Income ratio: 12%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 6Length of status:9y 3m
Amount delinquent: $4,423 Total credit lines: 26 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,255Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: stressedparent5050 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
Buy a engagement ring
Purpose of loan:
This loan will be used to buy a engagement ring.

My financial situation:
I am a good candidate for this loan because I have a full time job and a Prosper account.

Monthly net income: $
1400
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 75
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469993
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $102.02
 
Auction yield range: 5.93% - 12.65% Estimated loss impact: 5.16%  
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 score (1-10): 8 First credit line: Apr-1988 Debt/Income ratio: 30%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 19Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,959 
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: TomP42 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 36 ( 100% ) 780-799 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
780-799 (Jul-2007)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
replace cash used to buy a house
Purpose of loan:
???? I just bought a house, paid for it, no loans yet,?fixed it and rented it.? It is a nice house? and?it is paid for.?I?used my easiest assets, and now need to replace them.??I decided to see if the prosper lenders would again deem me worthy of a fairly priced loan.??I feel?I should disclose that the house was under 10K, and the repairs weren't that much.??

My financial situation:
???? A prior prosper loan, coupled with my credit rating low percentage of card utilization, etc show that my financial situation is ok.??Social security makes up most of the income i use for this loan application.? I live frugally with a wife of many many years. My house is paid for as are most of the assets,? I am not going to fill out the budget section,?I have? no vehicle or personal loans, less than 15,000 total debt including mortgages. and slightly more than adequate cashflow
.



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,336.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.97% Starting monthly payment: $54.90
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Apr-1989 Debt/Income ratio: 5%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,294Stated income:$50,000-$74,999
Delinquencies in last 7y: 23 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: buddha68 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
Make 1 mortgage payment
Purpose of loan:
This loan will be used to make?1 mortgage payment on my house.? It's not late yet, but WILL be.? I got behind this one time.? Never been late in 10 years paying on my loan.? Had to pay many legal fees right now due to divorce.? This will catch me up!? I appreciate!?

My financial situation:
I am a good candidate for this loan because I get paid twice a month and I pay all of my bills on time.

Monthly net income: $ 2778

Monthly expenses: $
??Housing: $ 1336
??Insurance: $ 80.00
??Car expenses: $ 0.00
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 0.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $542.13
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-2002 Debt/Income ratio: 21%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,297Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: sunntop Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 100% ) 660-679 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
600-619 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
To pay off high int credit card
This is my second loan with Prosper. I paid off the first loan more than a year in advance.I'm going to use this loan to pay off 2 credit cards which charge me more than 20% in annual APR.

I am a good candidate for this loan because I have a high paying job and I never miss my payments. Including bonus I earn more than 115K/year. I?m working for more than 5 years at the current company and in line for a promotion next year.

Monthly net income: $ 4,400
Monthly expenses: $2,580
Housing: $1,300
Insurance: $0
Car expenses: $0
Utilities: $30
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses $50
Credit cards and other loans: $800
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Jan-2004 Debt/Income ratio: 37%
Credit score: 620-639 (Jul-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 8Length of status:4y 8m
Amount delinquent: $755 Total credit lines: 24 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,091Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: leonvictorm Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 86% ) 620-639 (Latest)
Principal borrowed: $2,600.00< 31 days late: 4 ( 14% )  
520-539 (Feb-2008)
520-539 (Jan-2008)
600-619 (Nov-2007)
620-639 (Jun-2007)
 
Principal balance: $732.11 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Pay Off Debt & Finally Be Debt Free
Purpose of loan:
This loan will be used to pay off all credit card debt to improve credit score
My financial situation:
I am a good candidate for this loan because I want to improve my credit and will not default on loan

Monthly net income: $ 3800

Monthly expenses: $
??Housing: $?1000
??Insurance: $ 400
??Car expenses: $ 400
??Utilities: $ 150
??Phone, cable, internet: $?200
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ ($850 Preloan)?$815 post loan
??Other expenses: $?400 Baby on the way :)))
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470009
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1992 Debt/Income ratio: 57%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 6Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 18 Occupation: Clerical
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $2,657Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: MarieW Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
640-659 (Apr-2010)
620-639 (Apr-2008)
660-679 (Jul-2007)
 
Principal balance: $140.54 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Paying off taxes & CC
I would first like to thank the lenders who trusted me with my first loan 3 years ago. I have never missed a payment and will pay off the loan this week.

Purpose of loan:
This loan we will be paying off a couple of credit cards and our taxes.? We purchased a home by withdrawing from my husbnads 401K leaving us owing taxes.? But we own the home outright.

My financial situation:
I've been at my current job for over 5 years.? I have never missed a payment on my prior Prosper loan. My credit score has dropped due to the taxes not other late payments.

Several years ago we filed a chapter 13 Bankruptcy in which we paid back 103% of what we owed.

Monthly net income: $ 2000 and my husbands is $3200

Monthly expenses:?total about $2700

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470017
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Apr-1983 Debt/Income ratio: 42%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 9Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,571Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: new-spiritual-loyalty Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?pay credit cards?

My financial situation:
I am a good candidate for this loan because?
i have a good credit score
Monthly net income: $
6000
Monthly expenses: $
??Housing: $ 1500????????????
??????Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470021
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1989 Debt/Income ratio: 6%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $97Stated income:$75,000-$99,999
Delinquencies in last 7y: 16 Bankcard utilization: 32%  
   Homeownership: Yes  
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
daughter's wedding
Purpose of loan:
This loan will be used to?pay expenses for my 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 a?stable, well-paying job, with 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: $ 4,000.00 minimum?( not including overtime)

Monthly expenses: $
??Housing: $?
??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 470035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $123.28
 
Auction yield range: 10.93% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1996 Debt/Income ratio: 8%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 34 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bold-reward-gravity 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
I need a little help please.
Purpose of loan:
This loan will be used to?help my son pay his school bills i fell on some hard times last year hours at work fell but busy again now my wife will help pay back she makes $550.00 aweek before last year 2009 i was never late on a payment.thank you

My financial situation:
I am a good candidate for this loan because?im getting 40 hours again and makeing good money.

Monthly net income: $ 4000

Monthly expenses: $ 2000
??Housing: $520
??Insurance: $50
??Car expenses: $100
??Utilities: $200
??Phone, cable, internet: $86
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $278
??Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470053
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Mar-2001 Debt/Income ratio: 50%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 12 / 8Length of status:4y 5m
Amount delinquent: $2,234 Total credit lines: 24 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,559Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: repayment-deployment 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
Need back onmy feet to help out too
Purpose of loan:
This loan will be used to??
To get back on my feet so i can get out there and help others also.
My financial situation:
I am a good candidate for this loan because??
Because I have few if any late charges on any of my accounts i have ran into a hardship and need assisstance getting out.
Monthly net income: $
2100.00
Monthly expenses: $
??Housing: $ 150.00
??Insurance: $ 64.00
??Car expenses:?424.00?
??Utilities: $ 150.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470071
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $160.63
 
Auction yield range: 10.93% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1984 Debt/Income ratio: 14%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:20y 8m
Amount delinquent: $0 Total credit lines: 59 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,326Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: sophisticated-note 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: 8 ( 89% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 1 ( 11% )  
640-659 (Oct-2009)
640-659 (Sep-2009)
 
Principal balance: $2,500.09 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Help Please! Paying off Debt
Purpose of loan:
This loan will be used to? pay off some debt and have a cushion in my savings of 1000.00

My financial situation:
I am a good candidate for this loan because?I am a current customer, I?had one?recent inquiry because?I changed banks and the Prosper Account took a week to recognize it. ??

Monthly net income: $ 4000.00????????????????????

Monthly expenses: $ 3270.00
??Housing: $ 1255.00
??Insurance: $ 65.00
??Car expenses: $?385.00
??Utilities: $?270.00
??Phone, cable, internet: $ 220.00????
??Food, entertainment: $ 500.00????????
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 350.00
??Other expenses: $ 100.00 ?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470083
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $349.37
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-2000 Debt/Income ratio: 15%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,023Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: elegant-hope5 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
740-759 (Dec-2009)
 
Principal balance: $8,665.07 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
MY LOAN IS TO PAY OFF MEDICAL BILLS
Purpose of loan:
This loan will be used to? REFINANCE PROSPER LOAN USED TO PAY MEDICAL BILLS AND CANCER TREATMENT FOR MY WIFE. I AM VERY GRATEFUL TO HAVE HAD RECEIVED THE LOAN FROM INVESTORS AT PROSPER.COM BUT WOULD LIKE TO REFINANCE TO MAKE IT EASIER FOR MY WIFE AND I TO HAVE A BETTER STANDARD OF LIVING. THANKS TO ALL OF YOU WHO HAVE HELPED AND BELIEVE IN US!

My financial situation:
I am a good candidate for this loan because? I HAVE A STABLE JOB WITH A STATE AGENCY AND HAVE HAD AN OUTSTANDING PERFORMANCE MANAGEMENT REVIEW EVERY YEAR.

Monthly net income: $ 58,800.00

Monthly expenses: $ 1,730.00
??Housing: $ 500
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 80
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $251.61
 
Auction yield range: 2.89% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
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 score (1-10): 10 First credit line: Aug-1999 Debt/Income ratio: 8%
Credit score: 740-759 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,190Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: bold-established-duty Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off the medical bills on my credit cards.

My financial situation:
I am a good candidate for this loan because I pay my bills on time and have a reliable cash flow. Please see detailed net income and expenses below.

Monthly net income: $4600

Monthly Expenses:
Rent: $1750
Insurance (Car and Renters): $75
Utilities: $25
Phone/Internet (paid by employer): $0
Car (paid in full/own): $0
Food/Entertainment: $600
Student loans: $78
Other Expenses: $100

Net Income - Expenses = $1972
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470101
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $134.61
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
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 score (1-10): 5 First credit line: Apr-2002 Debt/Income ratio: 16%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 7 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,607Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: phase945 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to pay off credit cards.

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

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 470107
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $349.30
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 7 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,604Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: goodhearted-dough6 Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need to consolidate 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 421212
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $122.64
 
Auction yield range: 13.93% - 19.00% Estimated loss impact: 15.04%  
Lender servicing fee: 1.00% Estimated return: 3.96%  
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 score (1-10): 6 First credit line: Oct-2005 Debt/Income ratio: 18%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 10 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,805Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: scholar24 Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt i owe my parents

Purpose of loan:
This loan will be used to? pay back my parents.? I was enrolled in college taking classes 4 years ago.? I was working and paying for classes myself but two of the semesters I came up short and borrowed money from my stepfather.? Now he wants me to pay him back but he is asking for all the money at once.? My wife and I do not want to deplete our savings, and she used prosper a few years ago so we thought now would be a good time to use it again.

My financial situation:
I am a good candidate for this loan because? I have never missed a payment, I have every credit card set on automatic payments and I can totally afford this loan, my wife and I have three months emergency savings.? I have a great secure job and I have a little over 3 years left on my contract with the army.? We are both very responsible with our money.? I would rather owe prosper and pay a little interest than owe a family member.

Monthly net income:? $4550/month



Monthly expenses: $3550?
??Housing: $2000
??Insurance: $100
??Car expenses: $75
??Utilities: Included in rent
??Phone, cable, internet: $250
??Food, entertainment: $350
??Clothing, household expenses $50
??Credit cards and other loans: $150 for CC's and $470 for two auto loans (one will be paid off in Feb 2011)
??Other expenses: $100




Thank you for taking the time to read my listing!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,250.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $297.93
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1988 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,875Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: reliable-exchange9 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
Loan for our wedding
Purpose of loan:
This loan will be used to pay for my wedding.? My fiancee and I have paid deposits and for some other expenses and have also saved a sum of money, but still need a loan for some of the major expenses that go with a wedding.

My financial situation:
I am a good candidate for this loan because both my fiancee and I will be paying this loan off.? My fiancee's expected income this year will be between $38K and $40K.? I am a seasonal Assistant Golf Professional.? I work the summer months in Massachusetts and the winter months in Florida.? A large amount of my income in the winter months comes from cash gratuity that can not be documented.? We plan on using most of our cash gifts from the wedding to pay towards this loan.? Our wedding is in September of this year, so potential lenders can expect a large payment in October.

Monthly net income: $1500
Fiance $2250
Total $3750
Monthly expenses: $1830
??Housing: $ 0
??Insurance: $230
??Car expenses: $ 600
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468446
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 19.00% / 22.37% Starting monthly payment: $274.92
 
Auction yield range: 16.93% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1987 Debt/Income ratio: 36%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:17y 3m
Amount delinquent: $0 Total credit lines: 43 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,172Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: thoughtful-truth 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
Family Consolidating
Purpose of loan:
This loan will be used to? Help me and my son consolidate our debt. The credit cards have taken us to the highest APR with no explanation. This would be a logical way of paying off our debt and splitting the monthly payment in half. My son is a college student and would love to be able to pay off a debt in 3 years or less and I would like to help him.

My financial situation: My son and I live alone. He is a Pharmacy Technician and is very responsible. We are hoping to find someone to fund our loan so we can cut up our credit cards and not worry about an interest rate that changes monthly.
I am a good candidate for this loan because my son and I have never been late on a payment on our accounts.

Monthly net income: $ 40,000 between my son and I.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 16.93% Starting borrower rate/APR: 17.93% / 21.28% Starting monthly payment: $180.59
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 37.53%  
Lender servicing fee: 1.00% Estimated return: -20.60%  
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 score (1-10): 1 First credit line: Feb-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,102Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: joyous-commitment Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to?
Pay off some credit cards with a high interest rate
My financial situation:
I am a good candidate for this loan because? I have been paying my bills consistently on time for the past seven years - and prior to that.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1132.????
??Insurance: $ 68.
??Car expenses: $ 100
??Utilities: $312.
??Phone, cable, internet: $150.
??Food, entertainment: $ 400.
??Clothing, household expenses $100.
??Credit cards and other loans: $ 600.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469580
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,816.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $444.47
 
Auction yield range: 10.93% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1995 Debt/Income ratio: 28%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,771Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: fruitfullyblessed55 Borrower's state: Georgia Borrower's group: Christian Opportunities
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Repairs to leaky crawlspace/mold
Purpose of loan:
This loan will be used to repair my leaky crawlspace, which floods every time it rains. A recent inspection shows that the foundation is cracked; there is mold and mildew, and there is moisture in the house. I wake up every day to find centipedes in my home. The odor in the garage which emanates from the crawlspace is unbearable. I keep my 10 month old grand baby and was told that this is not a healthy environment for him. I myself have been bringing up black stuff whenever I bring up phlegm. Because of my divorce, I was not able to have the crawlspace fixed before, although there were 2 incomes at that time. However, because I had been laid off several times and had to accept employment that was not paying what I used to make, I now find myself with the burden of having to fix the crawlspace on 1 income. My ex-husband did not take care of it.? By the way, the mortgage does not show on my credit report because the mortgage company had my ex as the primary borrower. However, upon obtaining my divorce, the judge awarded me the house. I have the deed to show this, and I am in the process of getting the mortgage company to report my mortgage to the credit bureaus.


My financial situation:
I am a good candidate for this loan because I always put my creditors first and pay them before doing anything else with my check. In addition, this is not a financial situation that I desire. I consider this a necessity in order for me to maintain good health and to ensure that my grand baby's health is taken care of. Please note also that I do not pay a car note. This will definitely affect my debt to income ration. I co-signed for a car for my daughter, and she pays the note every month. Once again, I have documentation to prove this, if needed.

Monthly net income: $ 2,714.41

Monthly expenses: $2,058.34
??Housing: $925.34
??Insurance: $ 50.00
??Car expenses: $82.00
??Utilities: $177.00
??Phone, cable, internet: $130.00
??Food, entertainment: $200.00
??Clothing, household expenses $225.00
??Credit cards and other loans: $ 169.00
??Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469692
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
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 score (1-10): 1 First credit line: Aug-2001 Debt/Income ratio: 44%
Credit score: 600-619 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 4Length of status:2y 10m
Amount delinquent: $609 Total credit lines: 15 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,511Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: weis_01 Borrower's state: Illinois Borrower's group: Lend2's Group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 36 ( 97% ) 600-619 (Latest)
Principal borrowed: $6,500.00< 31 days late: 1 ( 3% )  
600-619 (May-2007)
600-619 (May-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
Loan for debt from medical problems
INTRODUCTION
Thank you for taking the time to read my loan request!? My name is Brandon.? I have been working as a?Truck Driver/water delivery guy?for 3 years now.? I am currently paying for myself to go to school part-time at Southwestern Illinois College. I am getting an Associates degree in Web Design. My primary goal is to start working as a person who creates web pages. I am currently finishing up 6 months of chemo-therapy for Hodgkins Lymphoma. This is what has put me behind on my bills. I have one more treatment remaining and will hopefully return to my usual self with in a month. During the time of treatment I have had to cut down the number of days I work as well as the amount I worked so it cut down on my income. This along with the extra medical expenses put me behind on some payments.

LOAN PURPOSE
I will use this loan to pay off some credit debts as well as some medical bills.

BUDGET
Monthly Income:
?? My Income:? $2200/mo.

Expenses Before Prosper Loan:
?? Credit?Bills: $600
?? Car insurance: $180
?? Utilities (phone, cell, gas, electric, water): $225 ?? Medical: $150
?? Food: $145
?? Entertainment: $100
?? School: $125
?? Miscellaneous: $75
?? TOTAL EXPENSES: $1600
?? LEFT OVER: $?600 {Income - Expenses}?

Changes After Prosper Loan:
?? Prosper Loan: $400?
?? TOTAL EXPENSES: $1300 (minus credit bills and part medical bills)
?? LEFT OVER: $900?

CONCLUSION
Thank you for taking the time to consider my request!?This loan will greatly help me recover from my recent misfortune. Please let me know if I can answer any questions.

Sincerely,
Brandon
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469796
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.93% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
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 score (1-10): 5 First credit line: Jul-1997 Debt/Income ratio: 22%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,783Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: sublime-repayment4 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 cards
Purpose of loan:
This loan will be used to? to pay credit card balances
My financial situation:
I am a good candidate for this loan because? i always make sure my bills are paid

Monthly net income: $ 2500.00

Monthly expenses: $
??Housing: $ 1118
??Insurance: $ 245
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469842
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 22.37% Starting monthly payment: $183.28
 
Auction yield range: 13.93% - 18.00% Estimated loss impact: 14.99%  
Lender servicing fee: 1.00% Estimated return: 3.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-2000 Debt/Income ratio: 39%
Credit score: 680-699 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,260Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: durability-ally Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards.
Purpose of loan:
This loan will be used to?
To pay off credit cards
My financial situation:
I am a good candidate for this loan because I pay my bills on time.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1,000
??Insurance: $ 150
??Car expenses: $485.00
??Utilities: $50.00
??Phone, cable, internet: $155.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $1,000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469854
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Jun-1990 Debt/Income ratio: Not calculated
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 29 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $56,521Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: reflective-liberty7 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
Great Business Invesment
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 469866
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,200.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $250.12
 
Auction yield range: 5.93% - 14.15% Estimated loss impact: 6.19%  
Lender servicing fee: 1.00% Estimated return: 7.96%  
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 score (1-10): 8 First credit line: Dec-1987 Debt/Income ratio: 60%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:30y 7m
Amount delinquent: $0 Total credit lines: 20Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,112 
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: agreement-equator Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off highest interest card
Purpose of loan:
I just moved in with my daughter and will use loan to consolidate my biggest credit card payments? This will substantially lower my interest rate and allow me to pay more on other debts? I would rather give interest to Prosper lenders then to the high interest banks.
.
My financial situation:
My expenses are now limited to my cell phone and insurance.? This will allow me to consolidate my biggest credit card payment.
I have always paid all of my bills 100% . Thank you.

Monthly net income: $ 1526

Monthly expenses: $
??Housing: $?0
??Insurance: $ 65
??Car expenses: $ no
??Utilities: $?100
??Phone, cable, internet: $ 130
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 3 First credit line: Dec-2000 Debt/Income ratio: 54%
Credit score: 680-699 (Jul-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,515Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: bid-enchilada 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
starting over...please help.
Purpose of loan:
This loan will be used to? repair car, water heater, medical expenses, repair lawn mower, help with utility bill, kids school clothes, etc? Starting fresh

My financial situation:
I am a good candidate for this loan because?we're now on a strict budget, and we know we can do this.? To tell you the truth, we have recently filed for bankruptcy, and most of our debts are being discharged, however, because of having those debts for so long, we still have other undischargeable bills, such as student loans, a few medical bills that we didn't want to put on there and we'd like to consolidate those, along with paying for the rest of the lawyer fee.? We have learned our lesson the hard way.? We desparately need to get our vehicle fixed because that's our only mean of transportation, and we can't afford to break down on the side of the road with our kids.? Our water heater needs to be repaired.? We were told that if we didn't get this done soon it could eventually catch on fire.? On top of that our lawn mower decided to die on us, and it's in the shop.? We're still paying on the hospital bill from when our daughter had swine flu back in October?
Monthly net income: $ 3300.00

Monthly expenses: $ 2869
??Housing: $ 1113
??Insurance: $
??Car expenses: $ 436
??Utilities: $ 280
??Phone, cable, internet: $ included in utilities
??Food, entertainment: $ 360
??Clothing, household expenses $
??Credit cards and other loans: $ 280
??Other expenses: $ 400? daycare
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469890
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 16.93% Starting borrower rate/APR: 17.93% / 21.28% Starting monthly payment: $180.59
 
Auction yield range: 16.93% - 16.93% Estimated loss impact: 19.23%  
Lender servicing fee: 1.00% Estimated return: -2.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1998 Debt/Income ratio: 18%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 12Length of status:2y 10m
Amount delinquent: $844 Total credit lines: 44 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,420Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: FinanceGuy123 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
Buying a used car
Purpose of loan:
This loan will be used to purchase a used vehicle... I will never buy a new vehicle... I am new to this site and what a great tool this is.? I am very exciting to find out about Prosper and soon to be lending other people money for their needs. Please email me with any questions you may have and thank you for considering me.?

My financial situation:
I am a good candidate for this loan because? I am great with finances...I am very new to this site.? I will eventually become a lender to this site... This is a great site... (How am I just finding out about this site) ha! ALL my bills are paid on time or before they are do.? I do this for a living (Financials).? This 3-year loan will be paid off by 2 years.?

Monthly net income: $ 3880

Monthly expenses: $
??Housing: $ 801
??Insurance: $ 135
??Car expenses:
??Utilities: $ 150
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469898
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $240.95
 
Auction yield range: 10.93% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1994 Debt/Income ratio: 5%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,061Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: stanfordAO Borrower's state: NewYork Borrower's group: Stanford Students &amp; Alumni
Credit and homeownership information was obtained 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: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $9,900.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Investing in Business Venture
Purpose of loan:
This loan will be used to invest in a?financial technology venture.

My financial situation:
I am a good candidate for this loan because?my stable cash flow is more than $10K a month and I have never missed even 1 loan or credit card payment in more than 15 years.?

Monthly net income: $ 10,500 after tax / $18,333 pre tax

Monthly expenses: $ 7,500
??Housing: $ 3,000
??Insurance: $ 0
??Car expenses: $ 0?
??Utilities: $ 200
??Phone, cable, internet: $ 300?
??Food, entertainment: $ 2,500
??Clothing, household expenses $500
??Credit cards and other loans: $ 500
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469916
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1996 Debt/Income ratio: 24%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,266Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: worldly-kindness814 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
Breathing room
Purpose of loan:
Thanks to everyone who tried to help finance my other loan. I decided to lower my expectations and my amount. Instead of financial freedom, I am now just looking for breathing room. With this smaller loan, I will be able to pay off one of my credit cards (instead of three) and also repay a loan my parents gave me earlier this year for car repairs. Even after those two pay offs, I will have enough left over to save towards Christmas presents. The only public record on my credit report is a bankruptcy due to a hard lesson learned when I was younger. In 2002 an unethical company with a "legal uncancelable" contract took me to court for payment of services that I never received. Because of the wording in the contract, they were able to sue me in an out of state court. At the advice of my lawyer, I declared bankruptcy (discharged in May 2002) so I would not have to pay any more money to these thieves. If you want more information, google "Leasecomm" and you will unfortunately find that I was not the only one who learned this lesson the hard way. I have been with my current employer for over four years and feel my future with the company is stable. Any help would be appreciated and as always I give you my thanks and gratitude.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469920
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.93% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1998 Debt/Income ratio: 23%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,377Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: truth-pledge 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
Loan2
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 469926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $328.75
 
Auction yield range: 10.93% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1989 Debt/Income ratio: 57%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,955Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: balance-mogul 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
Payoff bills and enjoy my family
Purpose of loan:
This loan will be used to? pay off debts and put us ahead.? So that I can give my daughter the first birthday party that she deserves.

My financial situation:
I am a good candidate for this loan because? I have always paid my bills and that is something I don't plan on changing....

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 469928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.93% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
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 score (1-10): 5 First credit line: Oct-1997 Debt/Income ratio: 15%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 9 / 9Length of status:17y 10m
Amount delinquent: $2,616 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,923Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: admirable-commitment3 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
debt consolidation
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.93% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-2005 Debt/Income ratio: 20%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,303Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: nourishing-treasure1 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
Popular Local Designer's Retail
Purpose of loan:
This loan will be used to?

Open up a retail shop and art gallery for local artists to consign their work. I have enough money saved up to get the shop up-and-running, but I am hoping to open this business with as much security as I can. This is my dream, and I have worked towards it for five years. I just want to make sure I do it EXACTLY right from the beginning.

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

The business model is undeniably low-risk: consignment has NO overhead cost, and we will also offer "rental" retail rack space in the store at $100/month for artists who have higher-end products and would prefer not to consign at the standard 50% rate. We will also be curating the walls as an art gallery at a 30% commission, and offering sewing classes, craft nights, art openings, fashion shows, and other community events for a cover charge that will generate revenue for the shop AND benefit the community. Effectively, the design for profitability in this store is exceptionally smart.

Monthly net income: $ 4100.00



Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 27.00
??Car expenses: $ 0
??Utilities: $ 100.00 (shared with three other stores)
??Phone, cable, internet: $ 50.00 (shared with three other stores)
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
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 score (1-10): 1 First credit line: Feb-1998 Debt/Income ratio: 24%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 8Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 5Length of status:3y 3m
Amount delinquent: $498 Total credit lines: 28 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $50Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: attentive-liberty Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Refinancing my home, need cash
Purpose of loan:
This loan will be used to pay off current debt to increase my credit score

My financial situation:
I am a good candidate for this loan because the loan will be paid in full once I'm done with the refinancing

Monthly net income: $ 3200

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 469944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 10.59% Starting monthly payment: $268.32
 
Auction yield range: 5.93% - 7.50% Estimated loss impact: 6.06%  
Lender servicing fee: 1.00% Estimated return: 1.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1993 Debt/Income ratio: 5%
Credit score: 800-819 (Jul-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,961Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: revenue-festival Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off high interest credit cards.?

My financial situation:
I am a good candidate for this loan because?I am very responsible and have never been late on a payment.??I have never defaulted on any loan.? I?was?just? promoted to an account executive role near Beverly Hills which has more than doubled my income and I will be receiving larger bonuses.? We are very frugal, honest and believe in good karma.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1994 Debt/Income ratio: 19%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $809Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: tolerant-gain9 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off payday loans
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 469958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-1996 Debt/Income ratio: 19%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:26y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,107Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: cargo1 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 Cards
Purpose of loan:
This loan will be used to??Help?pay off the low end credit cards.?

My financial situation:
I am a good candidate for this loan because? I have a steady job ( 26 yrs.) and have made all of my payments.

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 469960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $573.10
 
Auction yield range: 10.93% - 29.00% Estimated loss impact: 10.53%  
Lender servicing fee: 1.00% Estimated return: 18.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2000 Debt/Income ratio: 21%
Credit score: 680-699 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $298Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
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
Expanding business--High interest!
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 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 $13,500 Prosper loan to be used over 5 years to handle office and storage fees, improve equipment, rentals as well as safety like pads, tools etc. I am starting this listing at a high interest rate because I believe in my company and want to expand and am willing to pay a higher interest to lenders to do so!

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 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 Prosper score is 8 out of 10 with 10 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 469966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $240.95
 
Auction yield range: 10.93% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1999 Debt/Income ratio: 14%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 21 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,086Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: Rodneywa2002 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 14 ( 100% ) 740-759 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2009)
740-759 (Jul-2008)
740-759 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
lender/past borrower wants loan
Purpose of loan:
consolidate debt at lower rate, and for simplicity. had other prosper loans in past
My financial situation:
is good this is all my debt, no car payment, fixed mortgage?

Monthly net income: $ 2900

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 40
??Car expenses: $ 75
??Utilities: $ 75
??Phone, cable, internet: $ 125
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ will be?0 $100 or so now
??Other expenses: $
will pay off loan in 6 months or so.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $179.48
 
Auction yield range: 13.93% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
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 score (1-10): 6 First credit line: Mar-1972 Debt/Income ratio: Not calculated
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 1Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 14Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,681 
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: joyful-deal4 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
Bill Consolidation
Purpose of loan:
This loan will be used to consolidate my bills

My financial situation:
I am a good candidate for this loan because I have the means to pay this loan off and have always paid my creditors.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $0.00
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469972
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
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 score (1-10): 1 First credit line: Feb-2000 Debt/Income ratio: 38%
Credit score: 720-739 (Jul-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 18 / 17Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Engineer - Chemical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $893Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: revenue-burst1 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
Good Credit History, Why HR rating?
Purpose of loan:
This loan will be used to? invest in my community reinvestment start up.? The economy over the past few years has left behind a number of foreclosed properties in my area.? I want to purchase these properties, rehab them, then rent/sale them to low to moderate income families.

My financial situation:
I am a good candidate for this loan because?I'm an honest person who?always pays?their debts.? The one deliquency that shows in my profile occured a few months back.? One of my student loans went into repayment before my other one did.? I had assumed they were both on the same repayment schedule.? As soon as I realized what had happened I made the $50 payment, immediately.??

Monthly net income: $ 3850

Monthly expenses: $
??Housing: $ 774
??Insurance: $ 85
??Car expenses: $ 694
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 27.48% Starting monthly payment: $156.93
 
Auction yield range: 10.89% - 23.00% Estimated loss impact: 11.36%  
Lender servicing fee: 1.00% Estimated return: 11.64%  
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 score (1-10): 8 First credit line: Sep-1994 Debt/Income ratio: 29%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 10 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,264Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: silver-structure3 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
Purpose of loan:
This loan will be used to? Debt consolidation ~ I recently had some medical issues and unfortunately I had to put most of those
expenses on my credit card.

My financial situation:
I am a good candidate for this loan because?
I have great credit and I'm never late on any type of payment

Monthly net income:$2,600

Monthly expenses: $
??Housing: $ 560
??Insurance: $
??Car expenses: $ 330
??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 469976
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
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 score (1-10): 2 First credit line: Nov-2001 Debt/Income ratio: 11%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,487Stated income:$50,000-$74,999
Delinquencies in last 7y: 14 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: happy-compassion7 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
New home owner 6yr w/same company
Purpose of loan:
Being a new Home owner i used up my saving on my Down payment and was left with not a lot in my saving account. I would like to get out from under my CC and have 1 payment.

My financial situation:
I am a good candidate for this loan because i have been with the same Company for the past 6yr. I know how to save money. In the past i had some trouble with CC because i had not yet learned the value of Money. I am now very responsible i own my own home at 26 and have a great job. I would say that i am doing great in my Financial situation.

Monthly net income: $ 5,450.00 roughly i am a bartender on the weekends at a local restaurant in Seattle which contributes to this.

Monthly expenses: $
??Housing: $ 1634.00
??Insurance: $ part of housing
??Car expenses: $ 70.00
??Utilities: $ 150.00 bi monthly
??Phone, cable, internet: $ Cell phone $70.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 180.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $201.91
 
Auction yield range: 13.93% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
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 score (1-10): 6 First credit line: Apr-1996 Debt/Income ratio: 19%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $21,641Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: peso-holly1 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
Consolidation
Purpose of loan:
This loan will be used to?
Consolidate smaller bills
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 469992
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $200.79
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1998 Debt/Income ratio: 51%
Credit score: 700-719 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,124Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: REDEEMED4HIM 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: 28 ( 100% ) 700-719 (Latest)
Principal borrowed: $13,000.00< 31 days late: 0 ( 0% )  
720-739 (Jan-2010)
700-719 (Sep-2009)
700-719 (Jul-2009)
740-759 (Apr-2009)
 
Principal balance: $2,567.27 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Consolidate Debt
Purpose of loan:
This loan will be used to consolidate a home improvement loan and a credit card into one loan.

My financial situation:
I am a good candidate for this loan because I have had two previous Prosper loans all paid on time or early. The?D rating is misleading because only 6 months ago my rating was A and I have had no negative issues since. I have had no problems since a bankruptcy in 2004.
I will be paying off a credit card and a personal loan with these funds. I hope the lenders will bid with confidence and understand this is not a typical?D rating nor do I feel?it is an?accurate reflection of myself.

I appreciate your consideration and bids.



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $377.31
 
Auction yield range: 3.89% - 10.15% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.62%  
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 score (1-10): 9 First credit line: Feb-1989 Debt/Income ratio: 16%
Credit score: 820-839 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,546Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: repayment-ladybug Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
This loan will be used to pay down debt and be paid off ?in 3 years.

My financial situation:
I am a good candidate for this loan because of excellet credit and employmnet history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470006
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 39.75% Starting monthly payment: $114.51
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
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 score (1-10): 1 First credit line: Sep-1999 Debt/Income ratio: 27%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,334Stated income:$50,000-$74,999
Delinquencies in last 7y: 25 Bankcard utilization: 51%  
   Homeownership: Yes  
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
Paying off debt and taking classes
Purpose of loan:
This loan will be used to?
Pay off credit card debt and take some business related classes.
My financial situation:
I am a good candidate for this loan because?
I have a stable work history having worked the previous 9 years for a major health insurer and prior to that I worked for over 20 years at a major regional healthcare facility.? 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 did however run up some credit card debt associated with my move and now I'd like to pay off the balances and consolidate the debt into one bill.? I am also interested in taking courses to prepare for the series 6/23 licensing exam.
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 470014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $200.79
 
Auction yield range: 10.93% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1996 Debt/Income ratio: 11%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 29 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,449Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: Dyhouston2 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 16 ( 70% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 7 ( 30% )  
600-619 (Nov-2009)
620-639 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off (and close) credit cards and unsecured loans.? Due to some emergency expenses earlier in the year, I became overextended in credit, and would like to consoldiate.?

My financial situation:
I am a good candidate for this loan because?my debt/income ratio is low, and I make my payments on time, as evidenced by the fact that my credit score is rising.? I actually paid off my other Propser loan?more than 1 year early.??? I also?want to address why I had several late payments early during my previous Prosper loan.? When I requested the first loan it was for moving expenses due to a divorce. Unfortunately, I was saddled with all of my ex-husband's debt as well as mine. It took some time for me to manage all of the due dates, and to make them coincide with my pay periods, which at the time were bi-weekly. Now, I've been promoted and am paid monthly. All my monthly payments are made at the same time - and on time. Again please note that my first loan was ultimately paid off early.

Monthly net income: $ 5,400

Monthly expenses: $
??Housing: $ 1,400
??Insurance: $ 125
??Car expenses: $?289
??Utilities: $ 400
??Phone, cable, internet: $ 250
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $?1,200? (will be consolidated with this loan)
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470020
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
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 score (1-10): 5 First credit line: Jul-1988 Debt/Income ratio: 8%
Credit score: 680-699 (Jul-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:24y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $541Stated income:$50,000-$74,999
Delinquencies in last 7y: 20 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: liberty-prospector0 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
Replacing Appliances
Purpose of loan:
This loan will be used to?
Too replace leaking appliances
My financial situation:
I am a good candidate for this loan because?
I don't owe out much $
Monthly net income: $

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 99
??Food, entertainment: $?200
??Clothing, household expenses $?100
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.7%  
   
 
Starting lender yield: 22.65% Starting borrower rate/APR: 23.65% / 27.12% Starting monthly payment: $136.67
 
Auction yield range: 7.93% - 22.65% Estimated loss impact: 9.24%  
Lender servicing fee: 1.00% Estimated return: 13.41%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1998 Debt/Income ratio: 22%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,799Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: leverage-prairie2 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
Home Improvement - Patio for kids
Purpose of loan:
This loan will be used to? Install a brick patio in the backyard which will increase the value of our home and also allow the?grandchildren a bigger play area.

My financial situation:
I am a good candidate for this loan because? I always pay my loans on time, and usually will pay them off early.? I am trustworthy and honest as well.? This will be my first Prosper Loan as I was referred by a friend.

Monthly net income: $1400.00

Monthly expenses: $
??Housing: $ 0??? (live with fiance', soon to get married)
??Insurance: $ 0
??Car expenses: $ 290.00
??Utilities: $ 0
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470074
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.93% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1994 Debt/Income ratio: 18%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 10Length of status:14y 2m
Amount delinquent: $0 Total credit lines: 36 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,686Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: engaging-note0 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
Getting Control of my Life!
Purpose of loan:
Pay off some debt and provide some better cash flow so that I can start saving for a house.
My financial situation:
I am a good candidate for this loan because I have loans with my credit unions and I have never been delinquent on my payments.

Monthly net income: $ Approximately $2569

Monthly expenses: $
??Housing: $ 635
??Insurance: $ 154
??Car expenses: $ 214
??Utilities: $ 80
??Phone, cable, internet: $ 49
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470086
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $510.12
 
Auction yield range: 5.89% - 12.65% Estimated loss impact: 5.16%  
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 score (1-10): 8 First credit line: Oct-1988 Debt/Income ratio: 13%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 21 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,436Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: carpediem1 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 740-759 (Latest)
Principal borrowed: $20,000.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2009)
700-719 (Jul-2009)
680-699 (Nov-2007)
(Mar-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Pay off high rate credit cards

Proceeds from this loan will be used to pay off credit card debt I incurred to take advantage of an opportunity to buy products below wholesale from a supplier going out of business.This loan will?replace that card debt.The High Bank Card utilization percentage is due to those purchases. As you can see, I have a 740+ credit score, a paid in full previous loan, and low debt to income ratio(except,of course, that card usage).I anticipate paying off this loan within?30 months or less.I have been in the chemical business for over?20 years.. and started this company?11 years ago.My site,?MROCHEM.com is doing well, along with our sales force of?3 salespeople selling to institutional, municipal & industrial accounts. The company has a D & B? paydex of 80(out of 80), and is profitable. Of course, I am personally responsible for this loan. I have 1 loan Paid in Full with Prosper, never late.( that loan, BTW, bought servers & software that contributed to my growth, getting my company to the next level...thank you to all those lenders for that.) As a lender myself, I know how important it is to deal with quality borrowers who make their payments on time.
I am also the group leader of AAAA Fund America.
Mastercard- 7000
Visa-?????????? 7500
interest rates on above range from 25-29.99%,due to recent rate increases(even though I've never been late) by Chase.
I'd rather pay you.
Feel free to contact me regarding any aspect of this listing.
Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470098
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.89% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
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 score (1-10): 1 First credit line: Dec-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $76,555Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: trumpet620 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 Business credit line
Purpose of loan:
This loan will be used to pay off an existing business credit line.? I am currently experiencing cash flow problems and have several contracts for work in August and September but neeed to pay off this credit line untill I get paid from those jobs?

My financial situation:
I am a good candidate for this loan because?I have never defaulted on any debt and based on current interest and contracts for work I am experiencing an increase in business that will continue through 2011.? I have transitioned my business to small handyman and remodeling jobs and am now positioned to take advantage of this part of the market.? I also have recently made several contacts with realtors and am marketing to first time home buyers who need small projects done on their new?home.

Monthly net income: $4000

Monthly expenses: $
??Housing: $500
??Insurance: $400
??Car expenses: $300
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $1200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 16.25% Starting monthly payment: $438.02
 
Auction yield range: 10.89% - 12.00% Estimated loss impact: 11.06%  
Lender servicing fee: 1.00% Estimated return: 0.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1990 Debt/Income ratio: 16%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $298Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: friendly-interest9 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
Show car improvements
Purpose of loan:
This loan will be used to? Improve show car?

My financial situation:
I am a good candidate for this loan because? I make more than enough money to repay, but due to my previous company closing down, I was without a job for nearly 4 months and that effected bill payments. Although the mortgage was never late.

Monthly net income: $ 8400

Monthly expenses: $ 4639
??Housing: $ 1396
??Insurance: $ 143
??Car expenses: $1100
??Utilities: $ 400
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 900
??Other expenses: $
Information in the Description is not verified.