Listing Report:Supplement No. 17 dated Aug 12, 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 418502
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.89% - 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: Mar-1987 Debt/Income ratio: 26%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 15Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 61 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47,325Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: regirl167 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 680-699 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
680-699 (May-2009)
680-699 (Jun-2008)
680-699 (Apr-2008)
 
Principal balance: $3,635.98 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Pay off credit cards
This loan will be used to?pay off,?small credit card balances and need immediate cash to clear some small non-recurring bills.?
My financial situation: I am a good candidate for this loan because.?.? ?I am a home and rental property owner, federal retiree and recently received a promotion with a substantial salary increase with my employer on a four year contract for the federal government. ??I am a responsible person.? I believe in paying my debts.? The reason I am seeking your financial help: pay off?small credit card balances and non-recurring bills, become debt free and get my financial situation back on a healthy track.??This loan will help me to reach my financial goal faster.??
Thank you for your time and consideration which are greatly appreciated.? You will not regret given me this opportunity.? Please help
May God continue to bless each of you!!!?? Monthly net income: $15,677.00 Income??????????????????????????????
??????????????????????????????????????????? Annually
Retirement????????????????????????? $39,564.00
Employer?????????????????????????????$107,780.00
Court Order Alimony???????????? $3,900.00
Rental property????????????????? $19,200.00
Employer Transportation????? $1,440.00?
Overtime?as of July 30??????? 16,238.00??????????????????????????????
??????????????????????????????TOTAL?$188,122.00
?Total Monthly expenses $8,997.00
Housing $4,762.00 Insurance $308.00 Car payment $1,442.00 Car expenses $100.00 Utilities House mate Phone, cable, internet $67.00 Food, entertainment House mate Clothing, household expenses $100.00 Credit cards and other loans $2,063.00 Other expenses $150.00??????
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 437932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 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: Feb-1990 Debt/Income ratio: 20%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 10Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 43 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,360Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: advantage7 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan
Purpose of loan:
This loan will be used as a personal loan, I have some assets I will be selling in hopes to pay off this loan early.

My financial situation:
I am a good candidate for this loan because? I have worked for the same company for 5 years and in the same industry for over 10 years.??I am currently demonstrating the ability to pay.? My husband has also been in the same industry for over 10 years and will assist in making the payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460662
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 25.79% Starting monthly payment: $37.16
 
Auction yield range: 16.89% - 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: Apr-1999 Debt/Income ratio: Not calculated
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,303Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: Nighthorse19 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 30 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
620-639 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
My loan for an auto purchase
Purpose of loan:
This loan will be used to? purchase 17 y/o son's first car

My financial situation:
I am a good candidate for this loan because? I have VA disability benefits and VA Vocational Rehab stipend being paid while I obtain my Master's degree.? I am also participating in VA Work Study which pays non-reportable income.? My spouse is a member of the Missouri National Guard (E-5) and is also a full-time Federal Technician, making over $45k per year

Monthly net income: $2060.00 plus spouse income of $3200.00

Monthly expenses: $ 3035.00
??Housing: $ 650
??Insurance: $ 125
??Car expenses: $ 700
??Utilities: $ 175
??Phone, cable, internet: $ 160
??Food, entertainment: $ 700
??Clothing, household expenses $ 140
??Credit cards and other loans: $ 135
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 464034
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-2004 Debt/Income ratio: 16%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 8Length of status:2y 7m
Amount delinquent: $9,037 Total credit lines: 13 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,727Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: Panerai90 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
Personal loan debt consolidation
Purpose of loan:
This loan will be used to consolidate 7 credit card accounts.

My financial situation:
My wife and I are both employed and have a combined income over $200k per year. We own a home and two cars.

Monthly net income: $ $6000

 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $301.18
 
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: Jun-2002 Debt/Income ratio: 13%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,185Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: Prudent101 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 / 2 On-time: 48 ( 86% ) 660-679 (Latest)
Principal borrowed: $4,200.00< 31 days late: 7 ( 13% )  
620-639 (Jul-2008)
660-679 (Jul-2007)
 
Principal balance: $0.36 31+ days late: 1 ( 2% )
Total payments billed: 56  
Description
Need to fund my oral surgery
Dear Friends,

First of all, this is my third loan by Prosper. Previous two were paid on time. I am responsible buyer with stable employment in Health Care.

The purpose of this loan is to cover my dental bill. I need to complete expensive oral restoration treatment plan consisting several surgeries. I am half-way through. Unfortunately my employer change dental plan. As a result, a new insurance company refuses to help me.

Thank You

With Blessings.
Prudent 101
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470282
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.89% - 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): 6 First credit line: Dec-2002 Debt/Income ratio: 11%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,794Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: auction-refresher 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
Start a small business
Purpose of loan:
This loan will be used to start a small business

My financial situation:
I am a good candidate for this loan because I have a stable income of $45,000 yearly, so even if my business fall short,?I would still be able to pay off my loan.?

Monthly net income: $ 2450

Monthly expenses: $?1000
??Housing: $ 300
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 160
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1,794
??Other expenses: $ 89
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471038
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $269.21
 
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): 6 First credit line: Aug-1997 Debt/Income ratio: 21%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 39 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,284Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: organic-finance0 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
Childcare loan
Purpose of loan:
This loan will be used to pay for my son's childcare until the end of the year.

My financial situation:
I am a good candidate for this loan because I have a solid credit history and work for a private equity firm that has just gone public. Healthy salary + stock options = financial stability. I am a single full-time working mom who has tapped all other sources of income for the year (last year's bonus, 401k, tax refund) and?am now hoping to get this small loan to take me through the 4th quarter of paying for childcare. Either my year-end bonus or year-end window of sell option for public stock will ensure that this loan is paid off prior to the 36-month term date.

Thank you in advance for considering me.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471042
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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: Aug-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 11 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $346Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: consomedia 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
Help Take My Business To New Height
I intend to use the proceeds of the loan to grow my business much faster.

--Relisted--

I realize that I need to build up some sort of history here so let's start small :)

The first time I signed up to Prosper.com was around 2 years ago when I first started my business.

Since then, my business has grown nearly 300% each year and I am now making a sizeable income
utilizing only the internet.

However, to achieve this growth I've had to invest a lot of the cash flow into development and other
related expenses.

Although I may generate a smaller income than most small businesses. I do not have the same type
of expenses and staff costs that they do.

I am the sole owner of my business and any sort of work that I can't do gets outsourced.

My expenses are very low in proportion to my earnings. I have found several profitable business
models that are infinitely scalable and I am ready to take these to new heights. The money I
choose to invest in this has been carefully calculated for maximum profit.

Along with the loan I get here, I will be contributing a portion of my profitsthat I make everyday
from sales of my other various products. I am in the business of developing software that appeases
unfulfilled niche's that have yet to be tapped.

I work 12 hours a day from home on my business and I am always available by phone?or email.

I incorporated in 2008.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $410.94
 
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: Jul-2005 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: 5 / 5Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,249Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: Hmeonthelake 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
To expand business
Hello
I am basically self employed in a small one man business. I got started out working for another company but this was only a side line to them. I still have a good relationship with this company they refer people to call me and I still do some work for them.
What I do is somewhat unique and not sure how it would be classified.
I do work on garden ponds, water fountain, and other water features. I really do not get into construction but cleaning up maintenance and getting them looking nice for the customer. I also do install pumps, filter systems, U.V. lights , find leaks, and do some repairs. The work I do is usually at private residence and I have discovered that there is a high demand for good quality work plus I have found that there is not alot of competition even though there is some.
I have actually been working almost 7 days a week since early Spring of this year. It is true work will slow in the winter but I still had work most of last winter.
At this time I do almost all work myself and prefer it that way even though I sometimes need help. I lost several jobs this past year because on my own I could not get to them quick enough.
Most past customers are also repeat customers and have called me back year after year.
I need funds inorder to expand what I do.
I feel I am a good risk for a number of reasons. I have alot of experience in what I do and learn more each year. I have minimal personal expenses and debt plus I live somewhat conservative and frugal. I actually dislike having debt. I have three vehicles and a boat all paid in full. I do not like to take on new debt unless it is to expand business and I fell it will help me to make money in the future. I have a checking and saving account. I pay all my bills on line way ahead of the due date. I will be more than happy to answer any questions. Thank you.? Purpose of loan:
This loan will be used to? expand business.

My financial situation:
I am a good candidate for this loan because?? I am responsible pay bills on times(check credit report) work almost 7 days a week, have checking, have savings account, live frugal, minimum expenses. I will answer any questions needed.

Monthly net income: $? 4000

Monthly expenses: $
??Housing: $? 895
??Insurance: $ 300
??Car expenses: $ 200
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $322.67
 
Auction yield range: 5.89% - 9.00% Estimated loss impact: 6.09%  
Lender servicing fee: 1.00% Estimated return: 2.91%  
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): 8 First credit line: May-1992 Debt/Income ratio: 28%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:10y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,762Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: the-moneyman Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYOFF Chase
Purpose of loan:
Payoff 2 CHASE CREDIT CARDS

My financial situation:
I am a good candidate for this loan because have been employed with same company over 10 years.? Never late on payments.

Monthly net income: $ 3000

Monthly expenses: $ 0 ??
??Housing: $ 0
??Insurance: $ 60
??Car expenses: $ 350 car note
??Utilities: $ 0
??Phone, cable, internet: $ 120
??Food, entertainment: $ 500
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 600 / $300 per month is on the 2 cards I want to pay off
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471064
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.89% - 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): 6 First credit line: Jul-1997 Debt/Income ratio: 17%
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 471070
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $171.90
 
Auction yield range: 16.89% - 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: Dec-2005 Debt/Income ratio: 37%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $500Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: knowledgeable-money1 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I need to pay for pharmacy school!
Purpose of loan:
This loan will be used to? fund my Pharmacy School Education

My financial situation:
I am a good candidate for this loan because? I always pay my debts and I have never been late on my payments

Monthly net income: $
900
Monthly expenses: $
??Housing: $ 380
??Insurance: $ Insurance is already paid for the year, I use the California low cost Ins 360 a year
??Car expenses: $ 60
??Utilities: $ 40
??Phone, cable, internet: $ 25
??Food, entertainment: $ 50
??Clothing, household expenses $ 60
??Credit cards and other loans: $ I always pay my credit card bill in full each month, I have about $24,000 in Federal education loans........
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471072
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 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: $440.33
 
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: Dec-1983 Debt/Income ratio: 14%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 56 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,243Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: greenback-tamer2 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
No risk loan
Purpose of loan:
This loan will be used to buy a custom motorcycle. The motorcycle has 1,200 miles and is a 2007. Perfect condition original cost was over $40,000.

My financial situation:
I am a good candidate for this loan because? I own my home outright, have high cash flow, and low monthly debt. I have never defaulted on anything ever.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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: May-2003 Debt/Income ratio: 36%
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
Debt Consolidation/Home Improvement
Purpose of loan:
The purpose of this loan is too get some roof seams patched up and coating done and also consolidate one high interest credit card that I am currently paying over $100 a month on but the balance is really NOT moving.

My financial situation:
This loan should not affect my finanacial situation badly at all. I should be able to pay back relatively quickly so you can feel safe funding me because I have been working the same place for 10 years and make a good salary of $50,000 a year. I am happy to answer any questions or provide any information you feel would be pertinent to receiving this loan.

Monthly net income: $ 3200

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: $?200.00??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471078
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
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-1995 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 6 Current / open credit lines: 10 / 7Length of status:5y 10m
Amount delinquent: $4,885 Total credit lines: 32 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,388Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: currency-competitor5 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
Moving and medical expenses
Purpose of loan:
This loan will be used to pay off?a dental bill and moving expenses.?

My financial situation:
I am a good candidate for this loan because I've taken steps to improve my?financial status such as credit courses, trying to keep money in a savings account, and I'm?trustworthy to make monthly payments.??My past record was due to?the job losses of both?my husband and myself going from?good paying positions to taking 2 jobs each so we could make ends meet.?

Monthly net income: $ 1800
Monthly expenses: $
??Housing: $ N/A
??Insurance: $
??Car expenses: $ 50
??Utilities: $ 75
??Phone, cable, internet: $ N/A
??Food, entertainment: $ 125
??Clothing, household expenses $ 45
??Credit cards and other loans: $ 567????
??Other expenses: $ N/A
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471082
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.0%  
   
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $521.08
 
Auction yield range: 5.89% - 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: May-2002 Debt/Income ratio: 17%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 9Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,872Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: the-helpful-credit 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 off debt

My financial situation:
I am a good candidate for this loan because I simply need a structure to pay off the debt.?

Monthly net income: $ 4146

Monthly expenses: $
??Housing: $?1700
??Insurance: $ 50
??Car expenses: $ 0
??Utilities: $ 250
??Phone, internet: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ All should be?paid off with this?loan
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471084
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.89% - 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: Aug-1999 Debt/Income ratio: 24%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 39 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,246Stated income:$25,000-$49,999
Delinquencies in last 7y: 21 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: admirable-currency9 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help with Wedding Expenses
Purpose of loan:
My fiance and I are getting married next month.? We are paying for the event ourselves and had some unexpected expenses arise which depleted much of our savings.? He purchased the home we live in over a year ago and there is not enough in equity to borrow from.

My financial situation:
I am currently in the process of rebuilding my credit.? I have encountered some unfortunate circumstances regarding my creditworthiness but can asure that I am consistently on time with my current responsibilities.? I have never bounced a check and have learned to budget myself and not live beyond my means.

Monthly net income: $ 1,900

Monthly expenses: $
??Housing: $ 125
??Insurance: $ 60
??Car expenses: $ 300
??Utilities: $ 200
??Phone, cable, internet: $ 130
??Food, entertainment:100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 75
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471086
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $246.07
 
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: Jan-1993 Debt/Income ratio: 20%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,963Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: pragmatic-nickel3 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
purchase income property to flip
Purpose of loan:
This loan will be used to? to purchase a foreclosure property with some of my savings to flip to a buyer that is already secured and approved.?????

My financial situation:
I am a good candidate for this loan because? as you see i have a very high credit score and value it. I pay all bills on time and carry little debt. And the debt i do have is from me cosigning for my sisters car which she pays and we are currently one month ahead in payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471088
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: 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: $393.72
 
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: Jan-1991 Debt/Income ratio: 10%
Credit score: 820-839 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 17Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,267 
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: robust-bonus2 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
upgrade bathrooms
Purpose of loan:
This loan will be used to?? upgrade my kitchen and bathroom. This includes new sinks,flooring,shower

My financial situation:
I am a good candidate for this loan because? My income is stable and I have no out standing debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.89% - 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: May-1993 Debt/Income ratio: 46%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,845Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: adorable-pound Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off loan thru BofA :(
Purpose of loan:
This loan will be used to pay off the balance of a loan I have with Bank of America. I'm really unhappy about their customer service and was referred here by a friend.

My financial situation:
I am a good candidate for this loan because I can only remember paying a bill late once in my life.. I work hard for the money I have and would like to use more of it to pay down a loan balance rather than pay it all in interest.?

Monthly net income: $2,200.00

Monthly expenses: $
??Housing: $ 560.00
??Insurance: $ 50.00
??Car expenses: $ 300.00
??Utilities: $ 120.00
??Phone, cable, internet: $100.00
??Food, entertainment: $ 250
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 450 - Including the bank of america loan I'm trying to pay off.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471098
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $99.40
 
Auction yield range: 16.89% - 24.00% Estimated loss impact: 37.98%  
Lender servicing fee: 1.00% Estimated return: -13.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-1998 Debt/Income ratio: 20%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 7Length of status:3y 10m
Amount delinquent: $145 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,082Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: credit-freshmaker0 Borrower's state: California Borrower's group: Road To Better Credit
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
On the road to recovery!
Purpose of loan:
This loan will be used to pay off thefurther high interest loans I have. I have worked really hard to correct my credit history. I really did mess up when I was in college, very immature, spent money that was not mine (credit cards) but now?I keep everything in line. I have one delinquency that shows on my report that is actually from a UCLA medical bill, that has been paid. (that is the $145.00 you see) I am currently trying to get them to correct that listing.

My financial situation:
Despite what my credit report states, I am not delinquent on any open credit line. I work for civil government and am in a very stable position. My financial sitiuation is great. I just need to lower my interest rates for whatever is left that I?have to pay off. Any interest rate will be better than the one I am paying. You have no idea. I am trying to buy a house in two years with my fiance.

Monthly net income: $ 3500.00

Monthly expenses: $ 2265.00
??Housing: $ 900.00
??Insurance: $?125.00
??Car expenses: $ 500.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 120.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 250.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.2%  
   
 
Starting lender yield: 11.80% Starting borrower rate/APR: 12.80% / 14.94% Starting monthly payment: $487.17
 
Auction yield range: 3.89% - 11.80% Estimated loss impact: 3.29%  
Lender servicing fee: 1.00% Estimated return: 8.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Sep-1998 Debt/Income ratio: 15%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $129Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: kpengineer Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 100% ) 780-799 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
760-779 (Jan-2010)
640-659 (Mar-2007)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
RELIST: 2nd Prosper loan for Rental
Note: This is a Relist. I Increased my rate so that it is similar to others with my credit ratingPurpose of loan: The purpose of this loan is to assist in completing a value added renovation to my rental property.
This loan will be used to pay for labor and equipment relating to updating the HVAC system in the rental property.

My financial situation:My financial situation is very good. I have very low debt to income. A rental property which is paid in full and generating a monthly revenue of $1400 which equates to a profit of roughly $1200/month. Due to the fact that the property is owned by my LLC which has been in business for less than 2 years, I am running into difficulty in refinancing or placing a mortgage on this rental property. Making this value added improvement will allow me to increase rental revenue by roughly $400-$500/mo.
I am a good candidate for this loan because I have had a prosper loan in the past and paid it off on time within 12 months. Since my first loan 3.5 years ago, and despite the recent recession, my credit score has rose dramatically by 140+ points. Additionally, having renovated several properties I am experienced and efficient with managing home improvements and I also have a team of contractors that I frequently work with. I am a safe loan and have a history of repaying debts not only on time, but early. Note: Past deliquencies reflects student loans from 6 years go that I didn't know had went into repayment after deferment status. No current delinquencies. As always, I appreciate the help that the lenders here on prosper provide by bidding on my loan and ultimately contributing to the success of my endeavors! Prosper really makes the lending process easier and allows me to continue to improve my personal goals and I will continue to borrow from our Prosper community in the years to come. I really prefer borrowing from real everyday people, rather then large "big business" banks. Thanks again for bidding on my loan! :-)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $164.38
 
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: Dec-1991 Debt/Income ratio: 4%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 7 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,295Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: well-mannered-money4 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
Purpose of loan:
This loan will be used to pay off my credit card.? I can gaurantee it will be paid off early.?

My financial situation:
I am a good candidate for this loan.? I have a single listed delinquency which is nearly expired from my credit history (who has not had a bad experience with a gym contract).

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
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: Apr-1996 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:20y 4m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: orange-durability-travels Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying My Personal Bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471114
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $122.14
 
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): 5 First credit line: Dec-1990 Debt/Income ratio: 37%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:22y 10m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,731Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: rivguy14 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 44 ( 100% ) 640-659 (Latest)
Principal borrowed: $11,475.00< 31 days late: 0 ( 0% )  
640-659 (Apr-2010)
640-659 (Jan-2010)
600-619 (Sep-2009)
600-619 (Jan-2008)
 
Principal balance: $1,514.69 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
paying off tax bills & credit cards
Purpose of loan:
This loan will be used to pay my fedral and state tax bills ($400 each).? I will also consolidate my auto insurance premium ($900) and 2 credit cards closed by Citibank's consolidation ($1000).

My financial situation:
I am a good candidate for this loan because I am conscientious about making payments on-time.? I have obtained loans from Prosper in the past.? The first was paid in full with no issues.? The second loan, I only have 6 months left to pay on.
I had an unfortunate situation of having to borrow from my 401(k) to pay a student loan from a former friend that I had co-signed for.? I have 2 1/2 years left to pay this completely off.

Monthly net income: $ 2350

Monthly expenses: $ 2350
??Housing: $ 735
? Insurance: $ 110
??Car expenses: $ 440?
??Utilities: $ 58
??Phone, cable, internet: $ 91
??Food, entertainment: $ 100
??Clothing, household expenses $ 60?
??Credit cards and other loans: $ 488?
??Other expenses: $ 268
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,278.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 30.35% Starting borrower rate/APR: 31.35% / 34.99% Starting monthly payment: $184.79
 
Auction yield range: 13.89% - 30.35% Estimated loss impact: 15.59%  
Lender servicing fee: 1.00% Estimated return: 14.76%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2001 Debt/Income ratio: 39%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:11y 10m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,406Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: thrifty-silver3 Borrower's state: Florida Borrower's group: INVESTAR Lenders
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off 2 credit cards
Purpose of loan: Roll 2 highest rate credit balances to Prosper, hopefully at same or lower rate. This will boost my credit score and shorten the payback period. I already schedule other payments so most things will be paid in 3 years. My ultimate goal is to be relatively debt free with a good credit score. Employment and income: Solid. I'm nearly 12 years working for the local children's hospital managing Medicaid receivables. Prior to that I worked in a doctor's office until he retired and closed the practice. My financial situation: Uncomplicated. I have lived at the same address for 19 years. My grown son lives with me. I plan for, and know where my money goes. Public record is Ch7 discharged April 2001. I had taken unpaid medical leave to care for my mother. Due to the extent of her cancer she didn't have long to live. I managed the household bills but was unable to pay the credit cards. Monthly cash budget: Please refer to my member page for a detailed breakdown. Thank you for bidding!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 10.89% Starting borrower rate/APR: 11.89% / 15.12% Starting monthly payment: $265.29
 
Auction yield range: 10.89% - 10.89% Estimated loss impact: 10.03%  
Lender servicing fee: 1.00% Estimated return: 0.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2000 Debt/Income ratio: 29%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,405Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: JFunk2800 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 57 ( 100% ) 700-719 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
700-719 (Aug-2008)
680-699 (Sep-2007)
 
Principal balance: $1,587.31 31+ days late: 0 ( 0% )
Total payments billed: 57  
Description
Paying off high interest debt
Purpose of loan:
I am currently trying to pay down the debt I've accumulated while funding my college tuition.? I'm currently snowballing my debt and would like to use this loan to take care of my remaining high interest credit card debt, so that I can put more money towards paying off the rest of my student loans

My financial situation:
I believe that I'm a good candidate for this loan because I have never missed a payment on my previous loan through Prosper.? I am a homeowner who has never missed a mortgage payment and I have a steady income.? I already have money set aside to pay off this loan, so coming up with money each money to pay a "new debt" isn't an issue.? I'll simply reallocate funds that are already earmarked for debt payoff.

Monthly net income: $2500

Monthly expenses: $
??Housing: $600
??Insurance: $90
??Car expenses: $0
??Utilities: $150
??Phone, cable, internet: $100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471126
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 24.78% Starting monthly payment: $44.60
 
Auction yield range: 13.89% - 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): 5 First credit line: Nov-2005 Debt/Income ratio: 53%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,037Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: discrete-marketplace 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 credit cards
Purpose of loan:
This loan will be used to? pay off credit cards

My financial situation:
I am a good candidate for this loan because? I pay all my bills on time, usually over the minimum payment due. I am a nursing student in?college and trying to make ends meet to make it easier to live from month to month. It would really mean alot to me if I consolidated my two credit cards to one to pay it off and take the stress away from me.

Monthly net income: $ 1300.00
Monthly expenses: $
??Housing: $ 499.00????
??Insurance: $ 100.00
??Car expenses: $?75.00
??Utilities: $ 75.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?1200.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471128
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Jul-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,177Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: GoodFamilyGuy Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Roof replacement
Purpose of loan:
This loan will be used to...

This loan will be used to cover the deductible and depreciation to re-roof my home.? I am also installing energy saving, impact resistant shingles to achieve a discount on my homeowner's policy and taxes (hopefully).? I applied for this loan in November 2009 and it was funded, but I withdrew it because the weather was getting bad and I couldn't get the work done.
My financial situation:
I am a good candidate for this loan because? My credit history shows that I am responsible and I make my payments on time. To my knowledge, I have never had one late payment reported on my credit report.? I need to borrow this little bit of money as opposed to putting it on a credit card to avoid the ridiculous interest I am currently being charged for being 5 days late on two payments due to a poor internet connection.?
Monthly net income: $6500

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 250
??Car expenses: $ 400
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $400
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 500
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-2001 Debt/Income ratio: 36%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 30 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,894Stated income:$1-$24,999
Delinquencies in last 7y: 9 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: lucrative-transaction6 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Down payment to purchase property
Purpose of loan:
This loan will be used for a down payment on investment property

My financial situation:
I am a good candidate for this loan because after i purchase the property i will have income with profit?from the rent payments

Monthly net income: $
1000
Monthly expenses: $
??Housing: $?
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471142
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 Prosper Rating: 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: $104.04
 
Auction yield range: 16.89% - 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: Oct-1998 Debt/Income ratio: 27%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,984Stated income:$50,000-$74,999
Delinquencies in last 7y: 19 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: sensation310 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: 6 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
560-579 (Aug-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Credit card debt
Hello,

I am going through a divorce and am trying to get rid of all bad debt. I have a few bad debts I need to get rid of. I have no delinquencies in years and have a good job, however I do not want them involved in my personal life. I have had a prosper loan in the past and paid it off early which I will also do on this. I appreciate all the help I could get during this tough time.

Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471146
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.82% Starting monthly payment: $58.81
 
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): 6 First credit line: May-1994 Debt/Income ratio: 17%
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 pay? off payday loans.
My financial situation:
I am a good candidate for this loan because?

Monthly net income: $

Monthly expenses: $
??Housing: $ 550
??Insurance: $ 130
??Car expenses: $ 335
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471148
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Mar-2001 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,652Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: agreement-thinker Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to provide capital for upcoming jobs.
My financial situation:
I am a good candidate for this loan because I have been in my field for 15 years and have upcoming contacts for work.

Monthly net income: $ 3,000

Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 120.00
??Car expenses: $ 297.00
??Utilities: $ 65.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471154
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.89% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
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): 2 First credit line: Oct-1976 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,848Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: the-credit-fan 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
Money to boost company
Purpose of loan:
This loan will be used to? pay off a loan and buy additional office equipment for new hire.

My financial situation:
I am a good candidate for this loan because? this loan will reduce my payment and provide the extra money to move my company forward. My company is starting to grow - slowly - but I need to add another person. This will loan will give me the opportunity.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 515
??Insurance: $ 100
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 75
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471156
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $295.29
 
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: May-1991 Debt/Income ratio: 18%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:21y 6m
Amount delinquent: $0 Total credit lines: 33 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,639Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: valiant-contract5 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Seeking to Pay Off High Rate Visa
The purpose of this loan is to reduce high rate interest on a Visa card.

My employment and financial situation is stable as demonstrated by my credit profile. I have been employed with the same organization for the last 21 years and the future outlook for our organization is stable and continuing.

I am a good candidate for this loan because my vehicles are paid for, I have no outstanding delinquent obligations and always pay my bills on time.

Thank you for your consideration of this request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471162
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $99.40
 
Auction yield range: 16.89% - 24.00% Estimated loss impact: 25.38%  
Lender servicing fee: 1.00% Estimated return: -1.38%  
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): 3 First credit line: Jan-2001 Debt/Income ratio: 35%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 41 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,319Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: new-immaculate-dough 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
HELP finance get back to work
Purpose of loan:
This loan will be used to help my finance?go back to work. He has been offered?work?from his previous?employer doing sub contract work for cable installations. This money will help us get a truck, ladder, ladder rack and the appropriate insurance he needs to work again.
My financial situation:
I am a good candidate for this loan because I have been paying all my bills on time and barely make enough to cover as you can see. Once we get this money he can start working right away and it will?increase our monthly income from $1600 to $3000 which would help us tremendoulsy. I have asked family members to help but they simply do not have it in today's economy. He's been out of work all year and has applied at hundreds of jobs and this is the only thing we have that can help us out. Please help?us.?

Monthly net income: $ 1715

Monthly expenses: $ 1660
??Housing: $?725
??Insurance: $ 165
??Car expenses: $?300
??Utilities: $ 150
??Phone, cable, internet: $ 60
??Food, entertainment: $?50
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $?210
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471170
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.49% Starting monthly payment: $67.30
 
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: Mar-1997 Debt/Income ratio: 10%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $521Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: trade-jubilee6 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 Boosting
Purpose of loan:

My financial situation: is not bad but I need some extra money.
I am a good candidate for this loan because I know I will pay my payments on time.

Monthly net income: $ 900

Monthly expenses: $ 400
??Housing: $0
??Insurance: $200
??Car expenses: $50
??Utilities: $0
??Phone, cable, internet: $100
??Food, entertainment: $50
??Clothing, household expenses $
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471178
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.89% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
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): 2 First credit line: Oct-1989 Debt/Income ratio: 20%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 7Length of status:13y 7m
Amount delinquent: $568 Total credit lines: 17 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,132Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: fairness-expert5 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
Bathroom and floor remodeling
Purpose of loan:
This loan will be used to? remodel the floor and bathroom of the home we purchased on June 30th, 2010

My financial situation:
I am a good candidate for this loan because? My husband and I?have always had steady, professional employment.? We are not in default on any existing credit, however credit score is still low because we are rebuilding due to an invest loss a few years ago.

Monthly net income: $ 4900

Monthly expenses: $ 3350
??Housing: $ 2550
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471180
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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-1997 Debt/Income ratio: 29%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:5y 3m
Amount delinquent: $5,524 Total credit lines: 24 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $248Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: Basca Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
620-639 (Jun-2010)
700-719 (May-2010)
680-699 (Mar-2010)
640-659 (Feb-2010)
 
Principal balance: $1,099.72 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Pls help with 2nd loan/home repair
Purpose of loan:
This loan will be used to? Second loan request. We need some home improvement. Kitchen dishwasher was leaking and ruined the underlayment, so we need that replaced, downstairs bathroom leaking around seal, needs to be dried out and stripped and new flooring. Some painting and minor repairs also needed. I would like to get it prepared for selling. My financial situation:
I am a good candidate for this loan because?? I have always? paid my immediate obligations and I am current on my present Prosper loan? and have had no late payments and have never missed one.Thanks for your consideration. The delinquencies have been resolved but still appear on your site. The 4 delinquencies in the past 4 years were for? medical co-payments of $50.00 and have been paid.
The present amount being paid out to credit cards should take care of the amount due on this payment.

Monthly net income: $ 3892

Monthly expenses: $ 3675
??Housing: $ 1700
??Insurance: $ 150
??Car expenses: $ 50
??Utilities: $ 300
??Phone, cable, internet: $ 25
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1150
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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: Oct-1992 Debt/Income ratio: 60%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 23 / 22Length of status:1y 11m
Amount delinquent: $2,277 Total credit lines: 47 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $43,442Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: economy-elvis 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
Much needed car repairs
Purpose of loan:
This loan will be used to?complete much needed?car repairs that I need very badly since this is my way to work.?

My financial situation:
I am a good candidate for this loan because I have a mililtary retirement that I can set an allotment payment which is 100% guaranteed.

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 471186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $260.54
 
Auction yield range: 5.89% - 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: Mar-1988 Debt/Income ratio: 14%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:25y 1m
Amount delinquent: $0 Total credit lines: 30 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,539Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: studious-loot Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off 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 471188
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 16.89% Starting borrower rate/APR: 17.89% / 21.24% Starting monthly payment: $216.58
 
Auction yield range: 16.89% - 16.89% Estimated loss impact: 24.93%  
Lender servicing fee: 1.00% Estimated return: -8.04%  
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): 3 First credit line: Oct-1998 Debt/Income ratio: 14%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 3 Current / open credit lines: 11 / 11Length of status:11y 0m
Amount delinquent: $932 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,854Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: flexible-gain3 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
Loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1997 Debt/Income ratio: 27%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $218,416Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: wealth-and-equity 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
Investment Property Renovations
Purpose of loan:
This loan will be used to fund interior/exterior improvements to rental property.??

My financial situation:
I am a good candidate for this loan because I have a stable job with good income and additional stabilized rental revenue.? My revolving credit balances are tied to investment properties and my primary residence, of which I have over $160,000 of equity in 7 homes.?

Monthly net income: $ 4404

Monthly expenses: $
??Housing: $ 1540
??Insurance: $ 75
??Car expenses: $ 100
??Utilities: $ 350
??Phone, cable, internet: $ 225
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 450
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Sep-1994 Debt/Income ratio: 23%
Credit score: 720-739 (Jul-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,016Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: thankful-finance9 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
Consolidation Loan
Purpose of loan:
This loan will be used to?

Pay off recent car repair bill, and pay off/consolidate 2 high interest credit cards

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

I have a stable, good paying job with benefits that I have been working at for 7 years.? I also have good credit score and own my own (4 year old) vehicle.

I also do consulting work part time, will be provided extra income in the coming months by renting out my home on weekends to visitors to the area and I will be receiving the $8,000 first time home buyer federal tax credit this year - which I plan to use to pay off outstanding debt.

Monthly net income: $ 3,332.00


Monthly expenses: $
??Housing: $ 1,050.00
??Insurance: $ 0.00 (paid in full for year)
??Car expenses: $ 0.00 (2005 model year vehicle is paid off and owned)
??Utilities: $ 85.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 180.00
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471200
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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: Aug-1975 Debt/Income ratio: 31%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 7 Current / open credit lines: 11 / 8Length of status:3y 10m
Amount delinquent: $5,891 Total credit lines: 40 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,718Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: stevebeezie 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: 38 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2007)
640-659 (May-2007)
 
Principal balance: $0.56 31+ days late: 0 ( 0% )
Total payments billed: 38  
Description
Paying off our debts to buy a house
Purpose of loan:
This loan will be used to? Pay off debts toward the purchase of a home

My financial situation:
I am a good candidate for this loan because? I have a perfect record with Prosper.My wife and I both have stable jobs and earn $70,000 per year.We simply want to finish fixing the mistakes of our past so that we may move forward.

Monthly net income: $ 6000 including my wife's income

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $?200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471202
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
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: Nov-1993 Debt/Income ratio: 27%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 39 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,263Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 103%  
   Homeownership: No  
Screen name: cognizant-wampum Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off two payday loans
Purpose of loan:
This loan will be used to pay off two payday loans I was forced to take on to cover expenses my former employer left me with.? My intent is to pay this off with a bonus in March of 2011.?? I can pay half of the payday loan ($1500) but am looking for assistance on the other half.



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

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

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

Monthly net income: $ 8300

Monthly expenses: $ 6100
??Housing: $ 2000
??Insurance: $ 150
??Car expenses: $ 1100
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 800
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1100
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471204
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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: May-1997 Debt/Income ratio: 23%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:5y 0m
Amount delinquent: $605 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $106Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: SirDraco7 Borrower's state: NewYork 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.
Description
Car Repairs needed.
Hi all,
I'd like to and need this loan for some car repairs needed on my car.? It is starting to make a weird noise when I stop and I'd like to get it looked at before it gets worse and does more damage.
It might be just break and strut related, but I've been told it might be shocks.? in any case I estimate it'll only be a couple hundred dollars total.

Sadly I cannot afford to right now as it stands.
So I'd like to take a loan out.

The remainder will be used to pay off the remainder of my target credit card(currently about $200)

I've had bad credit for a while.? I've made mistakes.? Lucky for me it is all behind me.? I've been good with my credit for the past 5 years.? sadly it takes 7 years to get things taken off.
In Oct I'll have a major default(a charge-off) removed from my account that should boost? my credit by a bunch.?

With this car noise I'm forced to try to get a loan now.? Better to try than not and better sooner than later in cases of things that I know have issues.

I'm not asking for a lot and I promise to fully repay.? I've never been unemployed and have always had a job.

My current debts are my car loan - $400, insurence($100) - rent($200)and target.
I have a 401k loan that is automatically deducted.



Thank You.

Bill
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471208
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.89% - 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: Oct-2002 Debt/Income ratio: 46%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,623Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: blue_eyes567 Borrower's state: Montana Borrower's group: We the People
Credit and homeownership information was obtained 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: 35 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2007)
700-719 (Nov-2006)
 
Principal balance: $509.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Attorney costs to keep my child
Purpose of loan:
This loan will be used to pay for costs of attorney in child custody case and help move from MT to PA

My financial situation:
I am a good candidate for this loan because our house is currently under contract to be sold in Sept. but to keep the custody case going, my attorney needs more money now. Once the closing is done on our home, this loan will be paid off.

Monthly net income: $ 6000

Monthly expenses: $ 2950
??Housing: $ 1250
??Insurance: $ 30
??Car expenses: $ 720
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471212
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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-2008 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 12 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,584Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: mystical-commitment9 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 Car
Purpose of loan:
This loan will be used to Pay off My Debt

My financial situation:
I am a good candidate for this loan because i always pay my bill on time and i have a Good Credit score.

Monthly net income: $3,500

Monthly expenses: $250
??Housing: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 13.89% - 24.00% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 8.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1988 Debt/Income ratio: 16%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 18 Occupation: Construction
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $2,254Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: cozy-principal9 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
Pay off CC - Pay Orthodonist
Purpose of loan:
This loan will be used to pay off a credit card balance.? The secondary use for this loan will be to make initial payments for my twin son and daughter's orthodontic care.

My financial situation:
I am a good candidate for this loan because I have the means to pay it back and will make the required payments on time.

Monthly net income: $ 3,555.06

Monthly expenses: $
??Housing: $
??Insurance: $146
??Car expenses: $ 96
??Utilities: $?179
??Phone, cable, internet: $ 171
??Food, entertainment: $ 860
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471222
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.89% - 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: Sep-2003 Debt/Income ratio: 21%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 9 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,236Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: stable-balance7 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 credit cards, medical
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 471226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $410.94
 
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): 8 First credit line: Sep-2007 Debt/Income ratio: 18%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 6 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,135Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: marketplace-cell 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
Solid Credit Risk
Purpose of loan:
This loan will be used for language classes (arabic) and to pay the CFA Institute's registration fee and Level I exam's fee. I have lived in the Middle East and have a basic grasp of the language, however, I must become conversational for business use. I graduated from college in May 2009 and starting working at a DC-based consulting firm focused on project's in Eastern Europe, - earning the CFA designation (not an easy task) would significantly improve my professional standing and future earning potential.

My financial situation:
I am a good candidate for this loan because: I have never missed a payment or failed to repay any debt owned in full and on-time - I think this is most important from a lender's perspective.

Monthly net income: $2900

Monthly expenses: $1700
??Housing: $678.50
??Insurance: $0
??Transit expenses (metro/subway): $100
??Utilities: $0
??Phone, cable, internet: $50
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $155 (this loan will be paid off in August, currently $450 outstanding, I will pay down in full before August's end)
??Savings: $316.50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $143.83
 
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: Mar-1990 Debt/Income ratio: 18%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:21y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Food Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,104Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: unassuming-leverage0 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
To Start a business
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 434173
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% Starting borrower rate/APR: 17.89% / 21.24% Starting monthly payment: $270.73
 
Auction yield range: 16.89% - 16.89% Estimated loss impact: 37.53%  
Lender servicing fee: 1.00% Estimated return: -20.64%  
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): 1 First credit line: Feb-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 28 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: MGMNT 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
Real estate investment
Purpose of loan:
This loan will be used to purchase an investment property; I have successfully purchased several properties with positive cash flow that?create business in several ways:

1) They raise the property value for surrounding properties by not being empty or under managed
2) Provide homes?to families that are looking for an alternative living arrangement
3) Create jobs for maintenance crews to keep them in optimal shape

This will be a short term loan since I will refi after the flip is complete, even though my credit score is high; the DIR places me in a ridiculously high risk level, 7500 do not buy a new car today, however I am trying to build credibility and a successful profile and attract serious investors based on loan performance.

Please send me your questions, I will be happy to provide reasonable answers to constructive questions; for obvious reasons I will not bother answering non constructive / creative questions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 449491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 32.59% Starting monthly payment: $251.43
 
Auction yield range: 16.89% - 28.00% Estimated loss impact: 25.63%  
Lender servicing fee: 1.00% Estimated return: 2.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Dec-2002 Debt/Income ratio: Not calculated
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:3y 10m
Amount delinquent: $92 Total credit lines: 15 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,619Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: encouraging-dedication1 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
Homeowner Loan to Get My House Sold
Purpose of loan:
I am in the process of putting my house on the market, and have renters that cover most of the mortgage.? I have a few roommates that are moving out, and I need some money for expenses and to finish getting my house market ready. Houses around me have been selling within weeks of being on the market, so I am hoping the same for my house. I have not missed a payment in the 4 years I have owned the house.

My financial situation:
I am a good candidate for this loan because I will pay this loan on time, and once I have the room in my finances this loan will provide for me I will be able to sell my house faster, by being able to fix up a few last things, and get out of debt completely after selling my home. I am a really honest, character loving, hard working individual who has multiple sources of income and is just a little stretched in the process of selling my amazing home.

Monthly net income: $ 4,000 and another $2,450 from renters

Monthly expenses: $
??Housing: $ 2700 (which is almost covered by renters)
??Insurance: $120
??Car expenses: $ 300
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457893
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $168.66
 
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: Apr-1978 Debt/Income ratio: 18%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:23y 5m
Amount delinquent: $0 Total credit lines: 21 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $16,462Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: sly2031 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
600-619 (Dec-2009)
640-659 (Jul-2008)
 
Principal balance: $1,978.36 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? I have been at my job for 23 years

Monthly net income: $ 4,100

Monthly expenses: $
??Housing: $ 1,305.00
??Insurance: $ 117.00
??Car expenses: $
??Utilities: $ 75.00
??Phone, cable, internet: $ 59.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 405.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 465915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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: Feb-1990 Debt/Income ratio: 29%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 52 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $343,791Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: Soturi 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 Cards
Purpose of loan:
This loan will be used to consolidation revolving credit line debt

My financial situation:
I am a good candidate for this loan because I always pay on time, usually early.

Monthly net income: $ 5,300

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 80
??Car expenses: $ 300
??Utilities: $ 225
??Phone, cable, internet: $ 170
??Food, entertainment: $ 400
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 2400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467923
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $204.40
 
Auction yield range: 13.89% - 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: Jun-1989 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 39 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,499Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: hurricanewoof 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: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2009)
 
Principal balance: $782.87 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Fix Bathroom + Replace Flooring
Purpose of loan:
This loan will be used to finish repairs of our bathroom and replace the flooring in the living room, dining room, and kitchen. The dogs have torn up the carpet and we are embarrassed to have anyone over!

I am a good candidate for this loan because I have an established job, pay all bills on time, and am a current prosper borrower in good standing.? The reason my credit score is low is:? I placed all my business purchasing on personal credit cards.?




Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470483
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 16.89% - 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-1998 Debt/Income ratio: 37%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 23Length of status:15y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,009Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: gentle-deal6 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 credit cards
Purpose of loan:
This loan will be used to?
pay off credit cards
My financial situation:
I am a good candidate for this loan because?
I pay my bills on time
Monthly net income: $
2200
Monthly expenses: $
??Housing: $ 740
??Insurance: $ 100
??Car expenses: $
??Utilities: $?150??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $?600??Other expenses: $ 50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $184.92
 
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: Aug-2002 Debt/Income ratio: 13%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,078Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: principal-triumph5 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit card payments
Purpose of loan:
This loan will be used to completely satisfy existing credit card debt.? Instead of making minimum payments?and accumulating finance charges, I will use this loan to eliminate all balances and be left with?just this loan payment.

My financial situation:
I am a good candidate for this loan because I am employed full-time in a position that allows me to work up to 20 hours of overtime per week.??My housing costs are fixed as utilities are included in my monthly rent payment.? If my loan is funded, I will be able to pay credit card balances and avoid making several monthly payments.?????

Monthly net income: $ 3000

Monthly expenses: $ 2450
??Housing: $ 900
??Insurance: $ 130
??Car expenses: $ 345
??Utilities: $ 0
??Phone, cable, internet: $ 85
??Food, entertainment: $?400
??Clothing, household expenses $?250
??Credit cards and other loans: $ 150
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471051
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.89% - 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): 6 First credit line: Sep-2000 Debt/Income ratio: 12%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:2y 11m
Amount delinquent: $49 Total credit lines: 13 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: p2p-shower 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
Engagement Ring For Her
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 471057
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.89% - 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: Dec-1993 Debt/Income ratio: 24%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:18y 10m
Amount delinquent: $0 Total credit lines: 32 Occupation: Clergy
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,161Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: lifeflow Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2009)
640-659 (Aug-2008)
 
Principal balance: $826.08 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Equipment Upgrade to Increase Sales
Purpose of loan:
This loan will be used to? Invest in upgrading some business equipment which will?contribute to a more efficient?day-to-day operation resulting in increased sales.

My financial situation:
I am a good candidate for this loan because? We have gained valuable experience in the area of operating this enterprise which has become a major source of supplemental/additional funds.? It is not our primary source of income, but this business operation is producing valuable income with which we will be enabled to repay this loan.

Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $?200??Phone, cable, internet: $ 250
??Food, entertainment: $ 450
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1000
??Other expenses: $ 600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.89% - 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: 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.
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. ?I have the income to make the monthly payment. ?

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 471083
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $166.07
 
Auction yield range: 10.89% - 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): 6 First credit line: Sep-2004 Debt/Income ratio: 28%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,284Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: a-tremendous-revenue Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Card!
Purpose of loan:
This loan will be used to? pay off credit card debt at a lower interest rate.

My financial situation:
I am a good candidate for this loan because? 1) I have no history of delinquencies, which shows that I alway pay on time, 2) I have a secure job with two years at the same position, 3) though you don't know me, I am extremely ethical.? I would never, under any circumstance, default on a loan.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 300
??Car expenses: $ 400?
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards: $ 400
??Student loans: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471085
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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-2000 Debt/Income ratio: 52%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:4y 11m
Amount delinquent: $345 Total credit lines: 21 Occupation: Sales - Retail
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: 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
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.? Our water heater needs to be repaired.??our lawn mower decided to die on us, and it's in the shop.?
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 471087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $104.00
 
Auction yield range: 13.89% - 14.00% Estimated loss impact: 14.80%  
Lender servicing fee: 1.00% Estimated return: -0.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-2004 Debt/Income ratio: 30%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,574Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: commanding-transaction1 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 high interest cred cards
Purpose of loan:
This loan will be used to? Pay off high interest credit cards from some bad decision making during college.

My financial situation:
I am a good candidate for this loan because? I am a salaried employee and I have never missed a payment on any outstanding account

Monthly net income: $ 2650

Monthly expenses: $
??Housing: $ 450
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $471.78
 
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: Jan-2007 Debt/Income ratio: 12%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:18y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,388Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: tucker16 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
Putting in a new Bathroom + More
Purpose of loan:
This loan will be used to? Remodel And Update My Mothers House.

My financial situation:
I am a good candidate for this loan because?I pay all my bills on time and never have been late.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471101
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% Starting borrower rate/APR: 17.89% / 21.24% Starting monthly payment: $270.73
 
Auction yield range: 16.89% - 16.89% Estimated loss impact: 24.93%  
Lender servicing fee: 1.00% Estimated return: -8.04%  
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): 2 First credit line: Jun-1989 Debt/Income ratio: 24%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 15 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,801Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: intrepid-felicity4 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
Consolidating to Improve Credit
Purpose of loan:
This loan will be used to pay off credit cards and consolidate personal debt at a lower rate.? For four years, I have been trying to pay multiple bills from college, and I have come to the conclusion that I cannot do it without outside help.?

My financial situation:
I am a good candidate for this loan because I have a steady, full-time job, and I can certainly pay off the debt, even sooner, if I was making a single, lower payment.? I was a stupid kid caught up in the life of the "American Dream" when I was in college, and I regret it every day.

Monthly net income: $ 3314

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 80
??Car expenses: $ 450
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Food, entertainment: $ 50
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 495
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 22.37% Starting monthly payment: $256.59
 
Auction yield range: 16.89% - 18.00% Estimated loss impact: 25.00%  
Lender servicing fee: 1.00% Estimated return: -7.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: May-1989 Debt/Income ratio: 22%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 14Length of status:17y 11m
Amount delinquent: $0 Total credit lines: 50 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $85,022Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: brainy-leverage 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
Payoff credit card to enjoy freedom
Purpose of loan:
This loan will be used to eliminate credit card debt with a interest rate that was increased prior to the credit card reform act.

My financial situation:
I am a good candidate for this loan because I have never missed a payment in over 20 years of credit history.

Monthly net income: $9,333
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.0%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $491.08
 
Auction yield range: 5.89% - 10.00% Estimated loss impact: 6.11%  
Lender servicing fee: 1.00% Estimated return: 3.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-2003 Debt/Income ratio: 12%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,368Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: pledge5 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
Vacation & Purchases
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 471119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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-2008 Debt/Income ratio: 74%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 5 Occupation: Student - Community...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $943Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: efficient-return4 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Selling My Car to Reduce Debt
Purpose of loan:
This loan will be used to sell my vehicle currently being financed as collateral for an auto loan. In a sense of the word, it is also a Debt Reduction Loan.

My financial situation:
I am requesting for a loan on Prosper because I am trying to lower the amount of debt that I am in. I currently pay monthly auto payments for a very expensive automobile loan. I feel that it is in my best interest to lower the debt appearing in my credit report. I currently have two expenditures: the loan payment, and the auto insurance. If I were to sell the car I currently have, I will be able to make my life more financially suitable.

Paying off this car loan as early as possible would be in my best interest, as I willing to make more than double the amount of this loan?s monthly payment, just in order to lower my DTI ratio. I am very cautious about my credit, and I never paid a bill late, and I am still paying down credit card debt. Please do see that I am very anxious to remove this loan from my records. If this loan gets funded it will be my only expense.

Monthly net income: $ 969.58

Monthly expenses: $ 810.24

Insurance: $ 333.16
Car expenses: $317.08
Gasoline: $ 100.00
Clothing, household expenses (fund): $10
Credit cards and other loans: $?50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471129
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $468.97
 
Auction yield range: 5.89% - 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: May-1994 Debt/Income ratio: 44%
Credit score: 820-839 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,513Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: auction-recruiter9 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
Pay off credit card/medical exp
Purpose of loan:
The purpose of this loan is to pay my outstanding credit card debt and save money long term with a lower interest rate.? In addition, I am trying to pay off some unexpected medical bills due to my wifes hysterecomy.? The economy required paycuts at work and I am about to exhaust my savings.? So rather than take on more credit card debt I want to use this loan to build my savings back up and payoff my high interest credit card and unexpected medical bills.

My financial situation:
I am a good candidate for this loan because I am really only bridging about a 5-10 month gap when my son will be out of preschool and a couple of the smaller medical bills will be paid off and I will be able to build up my savings on my own.? On longer term loans I always try to pay a little extra and typical pay them off early.

Monthly net income: $ 4866.80 (including spouse)

Monthly expenses: $ 4797?
??Housing: $?1470
??Insurance: $?152
??Car expenses: $ 1160 (gas and loans)
??Utilities: $ 157
??Phone, cable, internet: $ 204
??Food, entertainment: $?561
??Clothing, household expenses $ 100
??Credit cards and other loans: $?340 (credit card minimum payment and boat loan)
??Other expenses: $ 653 (preschool & medical bill payments?- all will be paid off in 10 months or less)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471131
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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: Oct-1991 Debt/Income ratio: 41%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 5Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 28 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,629Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: historic-loot0 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off high interest
Purpose of loan:
This loan will be used to? pay off high interest cards(26%+)

My financial situation:
I am a good candidate for this loan because? i have never been delinquent with my bills and i am just looking for a way to get the high interest cards paid down in a short amount of time

Monthly net income: $ 2400

Monthly expenses: $1700
??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 471135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% Starting borrower rate/APR: 17.89% / 21.24% Starting monthly payment: $270.73
 
Auction yield range: 16.89% - 16.89% Estimated loss impact: 19.23%  
Lender servicing fee: 1.00% Estimated return: -2.34%  
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): 5 First credit line: Jan-2006 Debt/Income ratio: 26%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,922Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: loyalty-merry-maker9 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my 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: $ 2500.00

Monthly expenses: $ 2165.00
??Housing: $ 745.00
??Insurance: $ 70.00
??Car expenses: $ 50.00
??Utilities: $
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 400.00
??Other expenses: $ 300.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Feb-1997 Debt/Income ratio: 10%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,996Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: empire364 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?

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 471141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $130.07
 
Auction yield range: 13.89% - 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: Mar-1993 Debt/Income ratio: 33%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 17 / 16Length of status:3y 7m
Amount delinquent: $97 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,206Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: JaxGM Borrower's state: Florida 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: 1 / 1 On-time: 25 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (Jun-2010)
620-639 (Jul-2009)
620-639 (Jun-2008)
560-579 (Oct-2006)
 
Principal balance: $1,159.26 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Pay off and consolidate debt
I am looking to pay off some current debt and consolidate other items.?

Expenses:
Mortgage: $850
Cars: $700 (two vehicles)
Utilities: $500
Groceries: $500 (family of 5)
Insurance: $150
Credit Cards: $370
Student Loans: $95
Total Expenses: $3,165

Total Income: $5,000 (me and my wife)

This loan will help me reduce expenses by $600 a month and the loan payment will only be $150 or less. The savings will be used to pay off other debts and saving to build a house on our current lot.

Thank you for your consideration, all questions are welcome.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471143
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.89% - 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: 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 please help me u won`t be sorry. thank you every one that had bid on my last one it ended at 91% please bid again i really need your help .

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 471145
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $225.80
 
Auction yield range: 5.89% - 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: Jul-1997 Debt/Income ratio: 13%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 36 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,515Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: funds-majesty768 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
Tuition
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 471149
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 6.50% Starting borrower rate/APR: 7.50% / 9.58% Starting monthly payment: $155.53
 
Auction yield range: 5.89% - 6.50% Estimated loss impact: 6.04%  
Lender servicing fee: 1.00% Estimated return: 0.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1992 Debt/Income ratio: 9%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:29y 4m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,406Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: income-tuba Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying another Motorcycle
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 471157
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $450.65
 
Auction yield range: 10.89% - 14.00% Estimated loss impact: 10.11%  
Lender servicing fee: 1.00% Estimated return: 3.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1965 Debt/Income ratio: 35%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:24y 9m
Amount delinquent: $0 Total credit lines: 59 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $164,589Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: Rockford Borrower's state: Washington Borrower's group: Brighter Financial Future
Credit and homeownership information was obtained 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: 7 ( 100% ) 780-799 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
780-799 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Pay off 401K
Purpose of loan:
This loan will be used to?? To pay off a 401K loan I got back in 1-8-2008 at a rate of 7.5%. I can now get a rate of 3.25 but need this loan payed off first.

My financial situation:
I am a good candidate for this loan because? I have had credit for ?25 plus years and never missed a payment.

Monthly net income: $ 3100

Monthly expenses: $
??Housing: $ 250.00
??Insurance: $ 120.00
??Car expenses: $ 600.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
 
Auction yield range: 16.89% - 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: May-1999 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 6Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 35 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,861Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: kind-spirited-bonus 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 high interest loans
Purpose of loan:
This loan will be used to consolidate high interest loans that I have not been able to completely pay off due to the extremely high interest rates. I had to first begin taking out loans after I was unable to work following a tough pregnancy. After I had my beautiful daughter early, my husband and I took out loans to help out. Since then, we have just been playing catch up.

My financial situation:
I am a good candidate for this loan because I am a trustworthy, responsible person that makes it a priority to pay my bills on time.?
My husband and I both work full time. In addition to my monthly income of 3600.00, he makes 1750.00 per month. We should have no pronlem paying back this money quickly. Just to get out of this loan trap will be great!
Monthly net income: $
$3600.00
Monthly expenses: $
??Housing: $ 883.00
??Insurance: $ 170.00
??Car expenses: $ 500.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $?500.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471161
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.89% - 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: May-1978 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 840-859 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,706Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: favorable-funds7 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
GREAT INVESTMENT
Purpose of loan:
This loan will be used to? FUND MY CURRENT CONSTRUCTION BUSINESS

My financial situation:
I am a good candidate for this loan because? I ALWAYS PAY WHAT I OWE ON TIME NEVER BEEN IN DEBT

Monthly net income: $ 2,845

Monthly expenses: $
??Housing: $ 585
??Insurance: $ 56
??Car expenses: $?100
??Utilities: $ 270
??Phone, cable, internet: $ 100
??Food, entertainment: $ 260
??Clothing, household expenses $ 80
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,650.00 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% / 38.76% Starting monthly payment: $74.64
 
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-1996 Debt/Income ratio: 11%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 4 Current / open credit lines: 4 / 4Length of status:6y 8m
Amount delinquent: $3,921 Total credit lines: 24 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $372Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: builder144 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
school district emp. repaying debt
Purpose of loan:
This loan will be used to repay some high interest payday loans and? get out of the payday loan cycle.

My financial situation:
I am a good candidate for this loan because I hold a steady state government job in California. I have been with my current employer (a school district) for the past 7 years going strong. My household expenses are shared with my wife who holds a steady banking job. I believe I have the financial capacity to repay and look forward to getting out of the payday loan cycle and building a secure future for my family and self. Thanks in advance for your consideration.

Monthly net income: $ 4000

Monthly expenses: $ 400
??Housing: $1500
??Insurance: $40
??Car expenses: $200
??Utilities: $100
??Phone, cable, internet: $50
??Food, entertainment: $50
??Clothing, household expenses $200
??Credit cards and other loans: $100
??Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471167
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.50% Starting borrower rate/APR: 18.50% / 21.86% Starting monthly payment: $546.06
 
Auction yield range: 10.89% - 17.50% Estimated loss impact: 11.21%  
Lender servicing fee: 1.00% Estimated return: 6.29%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-2004 Debt/Income ratio: 9%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:3y 2m
Amount delinquent: $19,130 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,215Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: jmsca 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 471169
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1990 Debt/Income ratio: 28%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 1 / 1Length of status:3y 8m
Amount delinquent: $1,498 Total credit lines: 11 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: awe-inspiring-exchange5 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
Helping a Grandmother out
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 471173
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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-2007 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 7 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,805Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: hopeful-moola2 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
Looking to get engaged!
Purpose of loan:
This loan will be used to help pay for an engagement ring for my girlfriend of 3 years and help pay down a high interest credit card.
My financial situation:
I am a good candidate for this loan because I have a small amount of debt and a very secure job working as an Engineer for a large food & beverage company

Monthly net income: $ 3500 dollars

Monthly expenses: $
??Housing: $ 1128
??Insurance: $ 130
??Car expenses: $ 400
??Utilities: $ 100
??Phone, cable, internet: $ 185
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471175
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $108.46
 
Auction yield range: 16.89% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
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): 3 First credit line: Dec-2004 Debt/Income ratio: 17%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 4 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,392Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: contract-sphinx 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
Car repairs
Purpose of loan:
This loan will be used for Car repairs. I was in a hit and run car accident, and I was unable to get the plates of the other driver. I don't have full coverage; only liability, so all expenses must be paid by me unfortunately.?

My financial situation:
I am a good candidate for this loan because of my ability to pay it off promptly because of my income.

Monthly net income: $ 800

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ $ 50; Vehicle non operational at the moment.
??Utilities: $
??Phone, cable, internet: $ 40
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 180
??Other expenses: $ 150; cab to work, because my vehicle is non operational at the moment
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471179
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $616.41
 
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: Apr-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $142,359Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: magnetic-balance0 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
Launch Product now in Beta
Purpose of loan:
Maintain payroll while new product is launched and ramps up.

My financial situation:
I am a good candidate for this loan because I have good credit, I'm stable, and I have an awesome25-year? track record in the space that I work in.

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 471187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 11.50% Starting borrower rate/APR: 12.50% / 14.64% Starting monthly payment: $133.81
 
Auction yield range: 5.89% - 11.50% Estimated loss impact: 6.14%  
Lender servicing fee: 1.00% Estimated return: 5.36%  
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): 8 First credit line: Mar-1985 Debt/Income ratio: 0%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 9Stated income:$100,000+
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,528 
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: funds-taxi7 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
nashvilleringtones.com web business
Purpose of loan:
This loan will be used?for startup of web business selling ringtone. I own nashvilleringtones.com and am building the web site now.?

My financial situation:
I am a good candidate for this loan because?I have a good credit rating and the profits from this business should grow swiftly, I will be using mobile marketing with this web site.?

Monthly net income: $ 1900.00

Monthly expenses: $
??Housing: $ 425.00
??Insurance: $60.00
??Car expenses: $ 20.00
??Utilities: $ 100.00
??Phone, cable, internet: $45.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 50.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471205
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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: May-1985 Debt/Income ratio: 57%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 41 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,816Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: principal-acrobat 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
Payoff High Interest Credit Cards
Purpose of loan:
This loan will be used to? Payoff high interest rate credit cards.

My financial situation:
I am a good candidate for this loan because? I pay all my bills first.? My credit record will show that I pay all my bills.

Monthly net income: $ 2400.00

Monthly expenses: $ 1300.00
??Housing: $ 0
??Insurance: $ 100.00
??Car expenses: $ 280.00
??Utilities: $ 20.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471213
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $398.65
 
Auction yield range: 10.89% - 14.00% Estimated loss impact: 11.11%  
Lender servicing fee: 1.00% Estimated return: 2.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1998 Debt/Income ratio: 20%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,100Stated income:$75,000-$99,999
Delinquencies in last 7y: 18 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: orbital-loyalty973 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
Pay Off High Interest Credit Cards
Purpose of loan:
I am going to use this loan to pay off

a high interest credit card with a rate of 23.15%an account with Dell computers with a high interest rate of 26.49%a revolving line of credit with my credit union The payoff for these debts is just under $10,200. That leaves approximately $1,300 to pay the fees for this loan and to complete a few small projects around the house including a broken fence ($250).

My financial situation:
I am a good candidate for this loan because it will not change my monthly budget. Since I am using the proceeds from this loan to pay off some of the debts listed below, I will just be exchanging creditors and lowering the amount of interest I will pay over the life of these accounts. I am already paying the monthly installment payments that sum up to the payment for this loan.

I know that my credit rating is not that great right now. Just a few years ago, my score was much higher. In the past two years I've experienced a temporary loss of employment and some unexpected medical expenses that took a toll on my credit rating. I am just now beginning to get my finances back on track. I am working on a solid 3-year plan to eliminate all of my debt and begin saving for the future. I would really appreciate your assistance in reaching my goals.

Monthly net income: $5,585

Monthly expenses: $4,595
??Housing: $1,575
??Insurance: $300
??Car expenses: $500
??Utilities: $445
??Phone, cable, internet: $325
??Food, entertainment: $750
??Clothing, household expenses $100
??Credit cards and other loans: $600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.89% - 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): 5 First credit line: Oct-1982 Debt/Income ratio: 13%
Credit score: 600-619 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 8Length of status:25y 11m
Amount delinquent: $0 Total credit lines: 19 Occupation: Teacher
Public records last 12m / 10y: 0/ 4 Revolving credit balance: $9,460Stated income:$75,000-$99,999
Delinquencies in last 7y: 7 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: teach24 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: 26 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2010)
600-619 (May-2008)
600-619 (Apr-2008)
 
Principal balance: $1,552.23 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
WAS 100% FUNDED RELIST DUE TO ERROR
MY 100% FUNDED LISTING (WITH 262 BIDS) NEEDS TO BE RELISTED BECAUSE OF AN ADDRESS VERIFICATION ISSUE DUE TO A RECENT MOVE. I APOLOGIZE TO ALL OF YOU BIDDERS FOR THIS GLITCH. I HOPE I CAN COUNT ON YOUR CONTINUED SUPPORT FOR THIS NEW LISTING.


The purpose of this loan will be to put in a driveway and add a deck to the home I just built. This is my second Prosper loan.

I am a teacher and have been with my current employer for over 25 years. I am #1 for seniority in my department.



ABOUT MY HR RATING:

I am a bit surprised by this. My FICO score has increased since my last Prosper loan...and my bank card utilization is less. There was a 2 week period between the closing on my previous home and the closing on the one I just built. I assume that lapse has made Prosper consider me as a non-homeowner. The inquiries on the report are from working with mortgage companies and obtaining a home owner's insurance policy. Any DQs are inaccurate and from a failed business venture in 2003. You will see the amount owed is $0. I just obtained a conforming mortgage...so I assume my credit is fair.

My bank card utilization has increased by 4 percent (purchase of washer/dryer for my new home). This may have caused my score to drop a few points.


My last 26 Prosper loan payments have been 100% on time. The new loan will be automatically deducted from my checking account also.

Thank you so much for your time and consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471219
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $139.16
 
Auction yield range: 16.89% - 24.00% Estimated loss impact: 37.98%  
Lender servicing fee: 1.00% Estimated return: -13.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1999 Debt/Income ratio: 38%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 11 / 8Length of status:5y 0m
Amount delinquent: $2,228 Total credit lines: 20 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,387Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%  
   Homeownership: Yes  
Screen name: compassion-promise3 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Getting back on track
Purpose of loan:
Pay?down some debts to start back on track.

My financial situation:
My husband has been out of work for 11 months and has recently been given a great opportunity starting in October.? We have some overwhelming debt that needs to be addressed.? I have already cut up my credit cards, now I need to catch up on some past due debt to start really tackling it.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 744
??Insurance: $ 100
??Car expenses: $ 360?
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $50
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
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: Oct-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:4y 4m
Amount delinquent: $257 Total credit lines: 63 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,487Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: enterprising-credit9 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off small loan , rehap renter
Purpose of loan:
This loan will be used to?
pay off small loan , and rehap renter houses
My financial situation:
I am a good candidate for this loan because?
I love to keep my name in good .
Monthly net income: $
7,500.00
Monthly expenses: $
??Housing: $?3,400.00
??Insurance: $
??Car expenses: $ 390.00
??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 471229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Oct-1994 Debt/Income ratio: 17%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 15 / 12Length of status:4y 9m
Amount delinquent: $8,271 Total credit lines: 28 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,703Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: kirkmountain 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
Need money to pay off debt.
Purpose of loan:
This loan will be used to Pay off old credit card bill.?

My financial situation:
I am a good candidate for this loan because? I work everyday, and I'm paying all my bills.?

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 471235
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Aug-1996 Debt/Income ratio: 41%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,665Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: openness-raker4 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off CC's. Getting married!
Purpose of loan:
This loan will be used to? pay off a few credit cards.

My financial situation:
I am a good candidate for this loan because?I have a good job writing banking software and have low rent/household bills. I live with my fianc? Erin in her house and we are getting married next fall. I am trying to pay off my credit cards before we get married so we can re-finance the house together. My current TransUnion FICO score is 712 (report from myfico.com). Thanks for your consideration.

Monthly net income: $2,500

Monthly expenses: $
??Housing: $500
??Insurance: $80
??Car expenses: $300
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $500
??Other expenses: $200
Information in the Description is not verified.