Listing Report:Supplement No. 21 dated Aug 18, 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 464699
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $240.95
 
Auction yield range: 10.89% - 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: Nov-1987 Debt/Income ratio: 21%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,041Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: sisameme Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Mar-2008)
 
Principal balance: $528.20 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Repay loan to retired parents
Purpose of loan:
This loan will be used to pay off current Prosper loan (~$500) and a $5,000 personal loan to parents that is now retired.

My financial situation:
I am a good candidate for this loan because I am current on my payments for 5+ years and have extra monthly income to repay loan.

Monthly net income: $ 8,300.00

Monthly expenses: $ 3970
??Housing: $ 1,200
??Insurance: $?260
??Car expenses: $ 1050
??Utilities: $ 150
??Phone, cable, internet: $ 260
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 250 (personal family loan to be paid off with this loan)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466775
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $226.02
 
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-1994 Debt/Income ratio: 27%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 37 / 35Length of status:23y 11m
Amount delinquent: $0 Total credit lines: 75 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $83,543Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: calm-treasure9 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Bills, College, Car Expenses
I plan to use this loan to pay off bills, pay for my son's college tuition and car repairs. I am employed full time and I have never been delinquent in my accounts.

Thank you so much!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 466947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Aug-1989 Debt/Income ratio: 39%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:16y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,378Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: coin-dreamer0 Borrower's state: Montana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Down Medical Bills
Purpose of loan:
This loan will be used to pay down some recently acquired medical bills.??In addition, I have a couple of smaller debts I would like to pay off to clear up some extra monthly income and combine payments into one.

My financial situation:
I am a good candidate for this loan because my credit rating is in good standing, I pay my bills in a timely fashion, and have no late payments or judgments reported against me.? Additionally, I am responsible and accountable as I've been with my current employment position for over 16 years and have been promoted several times within my current agency.

Monthly net income: $ 3,000

Monthly expenses: $ $2,000
??Housing: $700.00?
??Food, entertainment: $200.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $740.00?
??Utilities:? $60.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 468943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1977 Debt/Income ratio: 18%
Credit score: 620-639 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Accountant/CPA
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: VMAN123 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 4 On-time: 10 ( 83% ) 620-639 (Latest)
Principal borrowed: $9,500.00< 31 days late: 2 ( 17% )  
580-599 (Oct-2008)
620-639 (Jun-2008)
700-719 (Apr-2008)
700-719 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
5th Prosper Loan for CPA Accountant
Purpose of loan:
This loan will be used to?
PAY OFF 2 OF MY EXISTING CREDIT CARDS.

My financial situation:
I am a good candidate for this loan because?
I WORK AS A CPA ACCOUNTANT FOR A LARGE MULTINATIONAL FIRM. I CURRENTLY CLEAR 4500 A MONTH FROM MY JOB. I WOULD LIKE TO ELIMINATE 2 OF MY EXISTING CREDIT CARDS IN ORDER TO IMPROVE MY FINANCIAL POSITION IN HOPES OF BUYING A HOUSE SOMETIME NEXT YEAR. I HAVE HAD?4 LOANS ON PROSPER IN THE LAST?5 YEARS AND HAVE ALWAYS PAID THEM OFF EARLY. I ALWAYS HONOR MY FINANCIAL COMMITMENTS AS CAN BE SEEN WITH MY LOANS THAT HAVE BEEN PAID OFF IN THE PAST.?MY CREDIT SCORE ISNT ALL THAT GREAT I DO KNOW THANKS TO A MESSY DIVORCE WHICH I AM SURE SOME?CAN UNDERSTAND. I AM CURRENTLY ON TIME WITH ALL OF MY PAYMENTS AND MADE A FULL RECOVERY. ?THANKS TO ALL THAT BID.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1999 Debt/Income ratio: 36%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:6y 0m
Amount delinquent: $33 Total credit lines: 16 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,247Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: benjamins-relaxation 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
My loan for home improvement
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 471757
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
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-1976 Debt/Income ratio: 17%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 9Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $510 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: seahorse4 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to?? remodel a room in my hoom

My financial situation:
I am a good candidate for this loan because? I know I will be able to repay the loan on time every month with no problem.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 218
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $292.87
 
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: Aug-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 36 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,613Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: first-reflective-funds Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
45 day payroll for new construction
Who Am I: I?am an?Iron worked who has 10 years of experience running and managing work. I have worked in NV, IN and NM. I have worked on power plants in for bridges in . I even worked on the ?in?. I?have gained good?office skills?when I was a Commercial Realtor in . I am now looking at doing something for me and my family.

Purpose of loan:
This loan will be used for start up cost in are new construction business and to pay my employees for there work. It takes 30 days to install?the product?and fifteen days to get paid from there. Are over head consisting of wire, paint and hours for the employees. We don't supply the bar but get paid for installing it.

My financial situation:
I am a good candidate for this loan because I have established my credit at the age of 18 years old. I have never had a late payment on any of my creators. I have always been on time with my mortgage and any payments I have ever had. My company currently has three contracts signed and is getting ready to start. The contracts are in the amount of $250,000.00+/-. We are projecting are payroll to be about 15,000 to 20,000 a month and are monthly billing to be amount 30,000.00 to 50,000. We just need to get through the first billing cycle. We have some of the money to take care of it but I need your help for the rest.

Monthly net income: $50,000.00

Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $?400.00
??Car expenses: $ 0
??Utilities: $ 250.00
??Phone, cable, internet: $200.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 15,000-$20,000 (payroll expense)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471903
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
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: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Feb-1998 Debt/Income ratio: 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, 1000 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 471915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $602.36
 
Auction yield range: 10.89% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-2000 Debt/Income ratio: 19%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,800Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: Mastercard Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2008)
620-639 (Apr-2008)
520-539 (May-2007)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Need a business loan
First of all let me thank you for taking the time to look at my listing.

Purpose of loan:

The sole purpose of this loan is to combine my savings and the proceeds of this loan to fund the purchase of my 4th property. I have already done my due diligence on this property.?This new property would be rented at $650 per month once acquired. I already have a renter willing to sign a?one year lease. I tried to get a?two year lease but he's only willing to sign a?one year lease?for now.

My financial situation:

Primary Residence (still paying the mortgage)

Rental Property (paid in full)- rented at $750/ month with a 2 year lease

20 Acre Farm (paid in full)- crops due in December

I work at least 10 hours of overtime per week @ $38/ hour.

Paying this loan off will not be hard as I have more than enough money left over to cover it. There will be no late payments. Monthly net income: ~$5,800Monthly expenses: ~$1,571
? Housing 1: $800.00
? HOA (total of 2 houses): 273
? Insurance: $43.00
? Car expenses: $310
? Utilities: $30
? Phone, cable, internet: $25
? Food, entertainment: $50
? Clothing, household expenses $25
? Credit cards and other loans: $15
? Other expenses: $0 Should you have any questions, please do not hesitate to contact me. Thanks again.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471923
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 7.50% Starting borrower rate/APR: 8.50% / 10.59% Starting monthly payment: $205.19
 
Auction yield range: 3.89% - 7.50% Estimated loss impact: 3.51%  
Lender servicing fee: 1.00% Estimated return: 3.99%  
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): 9 First credit line: Aug-1995 Debt/Income ratio: 22%
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 29 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,207Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: thorough-velocity2 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
Unsecured Debt Refinance
Purpose of loan:
This loan will be used to consolidate unsecured revolving debt.?

My financial situation:
Great credit and solid income.? I've never defaulted on any debt, and my credit score is high.?

I'm giving you the opportunity to make some money instead of going to a bank!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $134.61
 
Auction yield range: 13.89% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1994 Debt/Income ratio: 4%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,519Stated income:$75,000-$99,999
Delinquencies in last 7y: 15 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: benjamins-museum 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
Put in lawn & Sprinklers
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 471929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1966 Debt/Income ratio: 13%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:9y 3m
Amount delinquent: $76 Total credit lines: 18 Occupation: Principal
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $11,180Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: bliss4 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
Completion Loan
Purpose of loan:
This loan will be used to? Help fund my final contribution to a small develpment project. I am a commercial property owner/manager and co-owner of a small develpment company.?

My financial situation:
I am a good candidate for this loan because? I have plenty of assets, just very tight liquidity right now.? I am in a business where I simply cannot have?any defaults.? I am conciencious, responsible, honorable, and not paying back a loan is simply not an option.? Near the beginning of next year one large project will be liquidating and I will get back nearly $500K in personaly equity, plus some profit. This is an 18 unit apartment building in Brooklyn which is complete, half the units are under contract in the 4 months since roll-out.? Also we may sell one of the three properties we own in Costa Rica in which I have subtantial equity.?I can also comfortably maintain this loan from my normal income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1992 Debt/Income ratio: Not calculated
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 2 Current / open credit lines: 7 / 5Length of status:1y 3m
Amount delinquent: $473 Total credit lines: 31Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: five-star-leverage7 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
Help
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $294.03
 
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: Sep-1997 Debt/Income ratio: Not calculated
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: courteous-community342 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
Let me try again
Purpose of loan:
????I've had expensive events this year; got married, moved to a new state, job hunted in three states, went four months without work as I prepared paperwork and took exams for my state license, and had to move twice within my first six weeks of work. These events exhausted my savings and that of my husband. ???? As I am employed in a different city than my guy, I pay rent and utilities for my own apartment. My husband now has the opportunity to improve his earning potential if I could manage not to bleed him dry for a couple months. This loan represents the six months I need to pull my income from pathetically dismal to hopeful.My financial situation: ??? I acknowledge and appreciate the risk you'd take in this investment. My record is not perfect. I have a job with great potential, but I've only been there two months. They have guaranteed me a 5% raise in September. I intend to be fully debt free in three to five years. Your assistance could keep me going until I can do it myself.
??? Thank you in advance for you interest. Best of luck in all your endeavors.
Monthly net income: $ 1000-$2000

Monthly expenses: $ 2100
??Housing: $ 550
??Insurance: $ 80
??Car expenses: $ 385 (gas included)
??Utilities: $ 35-$100
??Phone, cable, internet: $ 65
??Food, entertainment: $ 225
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 530
??Other expenses: $ 140

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 30.00% Starting borrower rate/APR: 31.00% / 34.63% Starting monthly payment: $193.51
 
Auction yield range: 10.89% - 30.00% Estimated loss impact: 11.56%  
Lender servicing fee: 1.00% Estimated return: 18.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1988 Debt/Income ratio: 32%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 45 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,544Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: que1spr92 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
Income Producing Business
Purpose of loan:
This loan will be used to buy into an existing income producing business. A UCC lien can be given to the lender as collateral.

My financial situation:
I am a good candidate for this loan because I produce regular income. I have no late payments on my credit report. I also generate income through brokering business loans to restaurant owners.

Monthly net income: $ 6,000

Monthly expenses: $ 4,450
??Housing: $ 3000 (includes insurance and property taxes)
??Insurance: $
??Car expenses: $ 150
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
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-2003 Debt/Income ratio: 15%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 18 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,128Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: sculpture437 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?pay off all my credit cards and have only one payment per month?
My financial situation:
I am a good candidate for this loan because?I pay my bills on time and I value my credit.
trying to consolidate my debt to start a 401k plan.
Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 900.00
??Insurance: $ 90
??Car expenses: $ 0 paid for
??Utilities: $ 250
??Phone, cable, internet: $ 75
??Food, entertainment: $
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2000 Debt/Income ratio: Not calculated
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 17Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,200 
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: favorable-asset7 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
Personal Loan for Business
Purpose of loan:
This loan will be used for a small business opportunity.? After talking with individual, I have an agreement signed by both parties for 100% money-back guarantee if not satisfied with results.? This opportunity has the chance to double or up to 5 times the amount of $3,500 in just the first two months.? This loan would be easily paid back if that situation happens, or if it is not an opportunity, I will receive full amount of $3,500 back whenever I decide that I want too receive it back.? No matter what the situation, I will be able to pay the money back to the lender.?

My financial situation:
I am a good candidate for this loan because of my past payment/credit history and my financial situation.? Not only is it honorable to always repay a note back, but you need to make an agreement that helps both the borrower and lender out, but mainly the lender.? I have always made credit card payments in full or to the extent that both parties are satisfied.? In addition, along with my $1,560 a month I make in salary for being unemployed, I have an extra $8,000 in money market accounts that I have not touched in the past 2 years to take money out and I have a family member to assist me in the short-term to stay ahead in monthly payments and expenses, and to not lose any cash flow monthly or have to get money out of an emergency savings.

Monthly net income: $1,560.00 plus between $400 to $1,000 given monthly from a family member to not lose any money or get behind in payments and expenses.

Monthly expenses: $
??Housing: $ 1,030.00
??Insurance: $ 550.00 (health, auto, life, rental insurance)
??Car expenses: $ 0
??Utilities: $ 130.00 (electricity, water)
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $ 50 to 150 (Depends On What Happens Each Month, Sometimes $0 or $200, Just Varies)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $328.10
 
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: Dec-1990 Debt/Income ratio: 19%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,527Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: resolute-note3 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my IRS debt
Purpose of loan:
This loan will be used to? pay off back taxes

My financial situation:
I am a good candidate for this loan because? Maintaining a good credit standing is important to me. Paying the laon back timely is very important
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $340.08
 
Auction yield range: 5.89% - 12.65% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1998 Debt/Income ratio: 30%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 8Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,266Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: mk92802 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 10 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Consolidate Credit Cards
Purpose of loan:
I'm just looking to consolidate a few bills and make them one payment.?
My financial situation:
I pay my bills and take pride in that fact. My wife and I are both employed with stable jobs, and are both salaried employees her as a director at a assisted living facility and I as a sanitation supervisor at a cheese factory. ? My income has increased pretty well over the last 2-3 years.? This would be my second loan that I have had through prosper with the first being a loan to buy old telephones.? I still have some extra income from the phones and they have been payed for a long time now.

My monthly budget:
Mortgage/rent: $550
Insurance: $150
Car expenses: $280
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses $150
Credit cards and other loan payments: $300
Other expenses: $200
---------------------------------------
Total monthly expenses: $2200
total monthly income:$ 4400(from jobs)
extra monthly income other sources:300



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.89% - 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-2000 Debt/Income ratio: 23%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,348Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 101%  
   Homeownership: Yes  
Screen name: income-chooser1 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
Finishing Degree
Purpose of loan:
This loan will be used to fund remaining college obligations

My financial situation:
I am a good candidate for this loan because I have never missed a loan payment. I live with my fiance and she, a college grad herself, contribute to the household income. ??

Monthly net income: $ 4400

Monthly expenses: $ 3350 total
??Housing: $ 1737
??Insurance: $ 80
??Car expenses: $ 300
??Utilities: $ 120
??Phone, cable, internet: $ 70
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1992 Debt/Income ratio: 21%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 4Length of status:4y 9m
Amount delinquent: $132 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,552Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: sistagurl1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 18 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
680-699 (Jan-2008)
 
Principal balance: $15.00 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Loan is to help with inventory need
Purpose of loan:
This loan will be used to help get my business running.

My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan, EVER!

Monthly net income: $ 2950

Monthly expenses: $
??Housing: $ 550
??Insurance: $ 120
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $?200
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 159
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 33.56% Starting monthly payment: $41.09
 
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: Nov-1996 Debt/Income ratio: 8%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 28 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,998Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: rf7949 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
Prosper Reinvestment
Purpose of loan:
This loan will be used to reinvest in the prosper community and fund loans for those that need it.

My financial situation:
I am a good candidate for this loan because I am financially secure and can easily swing the $35 or so the final monthly repayment will be.????

Monthly net income: $ 6400

Monthly expenses: $
??Housing: $ 3300
??Insurance: $?0 - Mrs rf7949 pays for it??
? Car expenses: $ 100
??Utilities: $ 0 - Mrs rf7949 pays for it
??Phone, cable, internet: $ 0 - Mrs rf7949 pays for it
??Food, entertainment: $ 200
??Clothing, household expenses $ 300
??Credit cards and other loans: $?2000
??Other expenses: $ 200

The large credit balance is due to a $20,000 balance transfer that I took out a few months back.? There are no payments due until August 2011...the majority of my credit card and other loan payment numbers are for my car loan ($690/month) and credit card (paying about $1300/month).?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1996 Debt/Income ratio: 19%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,277Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: adaptable-felicity8 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
combining and paying off some bills
Purpose of loan:
This loan will be used to combine a couple bills and get them paid in full

My financial situation:
I am a good candidate for this loan because I'm employed by the government

Monthly net income: $?3000.00

Monthly expenses: $
??Housing: $1040.00
??Insurance: $102.00
??Car expenses: $232.00
??Utilities: $ 80.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471973
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 21.37% Starting monthly payment: $565.13
 
Auction yield range: 2.89% - 20.00% Estimated loss impact: 1.59%  
Lender servicing fee: 1.00% Estimated return: 18.41%  
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): 10 First credit line: Jul-1988 Debt/Income ratio: 19%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 59 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,188Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: nuts4realestate Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Fourplex Renovation
Purpose of loan:
This loan will be used to?renovate a four unit apartment building in?Indianapolis?that requires light renovation and upgraded mechanical systems.? I recently closed on the property and the renovation costs are $30,000 for which I have $15,000 and need $15,000 to complete the renovation project.? I had a Prosper listing previously for $25,000, which was 100% funded, but I chose to withdraw because I didn't need to borrow that much.

Once the property is fully leased, which should be?within?six months,?I expect to refinance or sell the property.? If it takes me longer to refinance/payoff, then this loan will stay out for a few more months.? Either by refinancing or selling, I have options to payoff this loan.? Why the higher interest rate?? In the past I've borrowed money for real estate deals from "hard money" lenders and their APR rates are much higher than what I'm asking here, so this is "cheaper" money.

My financial situation:
I'm a good candidate for this loan because I have a great real estate deal with adequate equity, I have lots of experience buying real estate properties and fixing them up and refinancing them, I have a good credit score, and I'm employed full-time in the military.? My credit record shows I cover my obligations, and this situation is no different.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Jul-2002 Debt/Income ratio: 32%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,014Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: cwatlue24 Borrower's state: California Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 31 ( 100% ) 660-679 (Latest)
Principal borrowed: $11,000.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2009)
600-619 (Jan-2008)
 
Principal balance: $3,322.73 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
3rd Loan..Not one late payment!
I have a current loan through another peer to peer site called Lending Club. I am hoping to transfer my Lending Club loan over to prosper

in order to obtain a lower interest rate with a more affordable monthly payment. I am asking for 7,500 due to the? fact I have managed to

save? a little over 8,000 by cutting expenses?which will be applied to the lending club loan?saving me?over 220 dollars?and?leaving me with

just a prosper loan.. Details for the Lending Club loan are as follows: 18% interest rate, 36 month term with a $566.00 per month

payment. The initial amount for the loan was 16000.00 and my current balance is 14500 with all payments made on time through an

automatic withdraw from my bank account. I am hoping for a reduced interest rate of 10%. If I am funded through prosper, I would pay

off the Lending Club loan in full. I appreciate any support you would be able to provide and I am willing to answer any questions you may

have.

Link to Lending Club: If link does not work Copy directly into browser

https://www.lendingclub.com/browse/loanDetail.action?loan_id=487248

Finacial Breakdown:
Monthly income (after taxes): 4600
Mortgage: 1246.00
Utilities/Internet/Cable: 200
Cell Phone: 75.00Car
Insurance: 125.00
Credit Card Payments:? 150.00
Car Payments (2): 550.00
Loans: 744.00
Groceries: 250.00
Gas: 150.00

Total Expenses: 3490.00

Money left over: $1110.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1988 Debt/Income ratio: 37%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,372Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: bid-laser5 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
TAX BILL
Purpose of loan:
This loan will be used to? I would like to earn your trust,??I need to pay? a tax?bill and help my son move? for??school?soon. I make good money and pay?my bills on time. I really like how prosper works and would like to be a part it?both from a borrower and someday a lender. I WILL PAY THIS LOAN BACK...
My financial situation:
I am a good candidate for this loan because?BECAUSE I WANT TO BE DEBT FREE, IT'S A SMALL LOAN ?BUT IT WILL HELP EVERYONE TO SEE I KEEP MY WORD AND PAY WHAT I OWE.?? THANK YOU FOR HELPING. I HOPE I CAN RETURN YOUR HELP SOMEDAY.
Monthly net income: $

Monthly expenses: $
??Housing: $ 352
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $?75
??Food, entertainment: $?25
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471985
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $519.98
 
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): 5 First credit line: Sep-2000 Debt/Income ratio: 19%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 16 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,035Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: inventive-velocity0 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate high interest credit card debt and reduce the amount of interest paid toward debt

My financial situation:
I am a good candidate for this loan because I have steady income, always pay debt on time.? My wife is currently in nursing school and will finish in August 2011.? With both of us working we will be able to quickly payoff this loan

Monthly net income: $ 4900

Monthly expenses: $
??Housing: $ 2250
??Insurance: $ 130
??Car expenses: $ 275
??Utilities: $ 10
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
? Credit cards and other loans: $ 1000

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $493.13
 
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: Jul-1990 Debt/Income ratio: 15%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 6Length of status:11y 0m
Amount delinquent: $28,572 Total credit lines: 28 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,693Stated income:$75,000-$99,999
Delinquencies in last 7y: 12 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: dmdnbrooks Borrower's state: Florida Borrower's group: FUTURE FINANCIAL FREEDOM 1
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
REFI my 2004 Chevy Suburban Z71
Purpose of loan:
This loan will be used to finance auto, 2004 Z71 Chevy Suburban with 44k miles, Kelly Blue Book shows value between $16500-$20,000, we are in a loan modifaction program where we have continued to make payments to Citi Mortgage but they are "placing them in escrow" until they convert it to a completed modifaction. Our credit report shows delinquent which is inaccurate.

My financial situation:
I am a good candidate for this loan because my FICO is still over 700 even showuing the late mortgage which isn't really late.That should make people aware that I pay all of my bills on time.?Anyway I plan on having this paid off in 9 months as I earn large commssions every couple of months.

Monthly net income: $
6500
Monthly expenses: $
??Housing: $ 1748
??Insurance: $ 135
??Car expenses: $ 200
??Utilities: $ 250
??Phone, cable, internet: $ 120
??Food, entertainment: $ 1000
??Clothing, household expenses $ 100
??Credit cards and other loans: $ pay off monthly
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1999 Debt/Income ratio: 33%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 17Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 36 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,642Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: fervent-dinero0 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
is to pay off some high interest rate credit cards

My financial situation:
I am a good candidate for this loan because?It will be paid back within?2 years at most, I always pay my bills on time I just wanna get all these high interest rate cards paid in full so I don't have to worry about them. I always make my payments on time and most of the time a week earlier just to insure they are paid on time.

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $ 1013.00????
??Insurance: $ 100.00?
??Car expenses: $ 50.00????
??Utilities: $ $200.00
??Phone, cable, internet: $ $200.00????
??Food, entertainment: $?$100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471991
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $318.39
 
Auction yield range: 13.89% - 29.00% Estimated loss impact: 15.53%  
Lender servicing fee: 1.00% Estimated return: 13.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-2006 Debt/Income ratio: 17%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 10 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,318Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: loyalty-electron2 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
Going back to College
Purpose of loan:
This loan will be used to?Going Back to College to get my?Teaching Degree?

My financial situation:
I am a good candidate for this loan because?I always pay my bills on time and have never been late and trying to further my Education.?

Monthly net income: $4800

Monthly expenses: $
??Housing: $600
??Insurance: $125
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 130
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?225
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $251.61
 
Auction yield range: 2.89% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Dec-1981 Debt/Income ratio: 8%
Credit score: 800-819 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,389Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: green-thoughtful-dime 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
Pay Off Credit Cards
Purpose of loan:
This loan will be used to pay off high interest credit cards?

My financial situation:
I am a good candidate for this loan because I have always paid on time, and will continue to?pay on time. So if you want to make a secure loan, it will be here with me. Thanks for funding my request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471997
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1980 Debt/Income ratio: 1%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $953Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: credit-merman 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
Seattle
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 471999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.89% - 24.00% Estimated loss impact: 19.68%  
Lender servicing fee: 1.00% Estimated return: 4.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2007 Debt/Income ratio: 10%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 0 / 0Length of status:0y 3m
Amount delinquent: $303 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wealth-prospector 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 my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards so my wife and I can start to focus on paying her school loan only when she is finished.?

My financial situation:
I am a good candidate for this loan because I do pay all of my payments.? The only bad item on my report is the last item I am trying to remove from someone using me as a refrence and did not pay themselves.? The only other item listed on my credit report is my school loan, which is completely paid off and was ontime all the time.

Monthly net income: $ 1,500 after taxes

Monthly expenses: $ 1,050, not including credit card payment because this loan would?cover it
??Housing: $ 400
??Insurance: $ 0
??Car expenses: $?0
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 0
??Credit cards and other loans: $?0 (if I get this full?loan, otherwise it is $200)
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472003
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2004 Debt/Income ratio: 61%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 8 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,336Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: responsibility-sage 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 a personal debt
Purpose of loan:
This loan will be used to pay off a personal debt that is draining my finances.
My financial situation:
I am a good candidate for this loan because paying this one debt will allow me to have the money to pay it off.
Monthly net income: $ 1,100
Monthly expenses: $ 605.00
??Housing: $ 200.00
??Insurance: $
??Car expenses: $
??Utilities: $?
??Phone, cable, internet: $ 80.00
??Food, entertainment: $45.00
??Clothing, household expenses $?30
??Credit cards and other loans: $250.00?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.0%  
   
 
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: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Mar-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 4Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,496Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: loan-elevator2 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off small loan
Purpose of loan:
Pay off Navy Federal Credit Union?Loan?

My financial situation:
I am a good candidate for this loan because?I will be receiving moneys from my Grandfather in the next 4 months and I will be able to pay this in full early.?

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 472009
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
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: Jan-1994 Debt/Income ratio: 35%
Credit score: 820-839 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 50 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: repayment-atmosphere Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Sunroom
Purpose of loan:
This loan will be used to?have a sunroom added to my home.?

My financial situation:
I am a good candidate for this loan because I pay my bills on time!? Also,?my wife earns as much as I and I applied for this loan based soley on?my income.? I will pay this loan back without financial stress.?

Monthly net income: $ 3600 ($6500 with my wife)

Monthly expenses: $
??Housing: $ 1050
??Insurance: $ 100
??Car expenses: $ 396
??Utilities: $ 200
??Phone, cable, internet: $ 55
??Food, entertainment: $ 350
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472011
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,140Stated income:$75,000-$99,999
Delinquencies in last 7y: 13 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: wealth-maker6 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Existing Salon Ownership Transfer
Purpose of loan:
This loan will be used to? Buy out a salon from the current owner. The owner is moving because her daughter is ill and is leaving all of the contents behind for us. My wife and her friend will run the salon and I will take care if the back end of the business.

My financial situation:
I am a good candidate for this loan because? I own a sales distributorship and have 6 years of marketing experience. The current owner did 45,000 in sales in 2007, 100,000 in 2008, and 120,000 in 2009. She will stay for 2 months to insure existing client retention. I have not had any late payments in the last 4 years and see this as an opportunity for my wife and our two kids to work together and have more freedom.

Monthly net income: $ 6500

Monthly expenses: $ 2247
??Housing: $ 500 ???? ????
??Insurance: $ 172
??Car expenses: $700
??Utilities: $ 100
??Phone, cable, internet: $125
??Food, entertainment: $ 500
??Clothing, household expenses $100
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472015
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $138.66
 
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: Jul-1999 Debt/Income ratio: 29%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 48 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,236Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: claudinev 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
Food Scientist Seeks Consolidation
Purpose of loan:
This loan will ONLY be used to pay off my highest credit card balance.

My financial situation:
I am a good candidate for this loan because I have a plan to pay down my credit card balances. I was recently promoted at work and my job is very stable. My budget has been reviewed by another prosper member who will endorse and participate on this loan. I also recently reduced my housing expenses and other spending. All part of the plan.

Monthly net income: $ 3,940

Monthly expenses: $ 3,070
??Housing: $ 1,000
??Insurance: $ 100
??Car expenses: $ 700
??Utilities: $ 110
??Phone, cable, internet: $ 140
??Food, entertainment: $ 150
??Clothing, household expenses $ 70
??Credit cards and other loans: $ 700
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472021
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 3 First credit line: Nov-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:10y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $153Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Hilerya Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 45 ( 100% ) 780-799 (Latest)
Principal borrowed: $11,500.00< 31 days late: 0 ( 0% )  
740-759 (Apr-2008)
660-679 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 45  
Description
10yrs, Successful business.
We own a successful Pilates studio in Seattle, Washington. We have been in business for 10 years and our financially strong. We are purchasing Pilates Reformers to outfit additional classrooms. We are seeking funds through Prosper as we are conservative with our existing cash flow and appreciate the credit score benefits associated with a Prosper loan.

This will be our third loan through Prosper.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472023
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2002 Debt/Income ratio: 48%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 22Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 62 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,525Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: benefit-eagle9 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
Baby Onboard / Too Many Bills
Purpose of loan:
This loan will be used to pay off all of my family's credit card debt to focus on financial responsibilities for my new baby.

My financial situation:
I am a good candidate for this loan because I pay back debts. My credit cards are just too hard to handle with a baby at the moment and it seems like I don't make any progress (even though I make more than the minimum payments each month). I have been employed at my current employer for almost 3 years as a graphic designer. I have also earned my Masters (hence the crazy amount of 'credit lines' from student loans) and I taught at the college (IADT) I attended pre-baby and that is my passion. I would like to teach full time one day therefore spending more time with my offspring and less time worrying about paying credit card bills. The main purpose of the loan would be to decrease my monthly payments for my credit cards.

Monthly net income: $4000.00

Monthly expenses: $3460.00
??Housing: $1020.00
??Insurance: $200.00
??Car expenses: $365.00
??Utilities: $200.00
??Phone, cable, internet: $125.00
??Food, household expenses $200.00
??Credit cards and other loans: $1000.00
??Baby expenses: $150.00
??Gas: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: witty-benjamins5 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
on cash for school portrait bids
Purpose of loan:
This loan will be used to? to create on-hand cash for school portrait bidding.?

My financial situation:
I am a good candidate for this loan because? the money is to make, money not spend on depts.? I have been in the business for 7 yrs and have the contracts already line up.? I also have a 3 year tennant that is a church and pays $1200 per month.

Monthly net income: $ 90,000 roughly

Monthly expenses: $
??Housing: $
??Insurance: $ 150
??Car expenses: $ 500 for 2 years
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 30.90% Starting borrower rate/APR: 31.90% / 35.55% Starting monthly payment: $208.79
 
Auction yield range: 16.89% - 30.90% Estimated loss impact: 38.41%  
Lender servicing fee: 1.00% Estimated return: -7.51%  
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): 1 First credit line: Feb-1975 Debt/Income ratio: 105%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 30 / 28Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 96 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $87,124Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: ponchita Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 760-779 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
760-779 (Jul-2010)
780-799 (Jun-2010)
780-799 (May-2010)
780-799 (Mar-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Emergency Due To Death in Family
Purpose of loan:
I have just had an unexpected tragic death in my immediate family.? I need this
loan to pay funeral expenses.


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


I have an excellent credit history.? I have no late payments and a very good credit score,? I would
not fault on this loan.? Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $287.66
 
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-1988 Debt/Income ratio: 60%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,526Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: ruler6 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 my payday loans
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-2003 Debt/Income ratio: 16%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 24 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,727Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: worthy-moola9 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? Consolidate some current debt

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

Monthly net income: $ 8300

Monthly expenses: $
??Housing: $ 3000
??Insurance: $ 300
??Car expenses: $ 600
??Utilities: $ 250
??Phone, cable, internet: $?100
??Food, entertainment: $ 200
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472041
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Aug-2002 Debt/Income ratio: 23%
Credit score: 660-679 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 4 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: lor_edu54 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
IN SEARCH OF THE AMERICAN DREAM!
Purpose of loan:
This loan will be used to help me acheive a dream of mine to be a first time home owner! I need this loan to be able to cover the remaining cost of purching the manufactured home that I would like to own. I know that I might never have enough money to afford a $300,000 home in California. So I feel that it is?in my best interest to?purchase this manufactured home that I am interested in?because it's probably the?closest thing my family?will ever have to be able to afford to own. I am in search of what many people call the American Dream and I just need a little assistance in the means to do so. I know that applying for this loan through this website is a slim chance at me getting funded however I am not a person that easily gives up and I am trying my best to be responsible and make a better way for my family. I haven't gave up hope in people. I know that this site is centered around others not only making money off of lending to others but it is also about people giving others the oppurtunity to "Prosper"! I hope that some one reading my listing will be willing to take a chance at lending to me because I am an honorable person that is not looking for a hand out just a person looking for a little help with making a better life for my family. I look forward to lending from a good person that is intersted in being a part of making a once in a life time opportuniy possible for another. I have faith in people that even in tough times like this economic recession that those with?means can lend a hand to others with out. God Bless.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472043
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,900.00 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: $283.55
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1999 Debt/Income ratio: 28%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 11Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,147Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: vivacious-contract 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
Expenses, Surprise Honeymoon Gift
Purpose of loan:
This loan will be used to pay off the balance of my wedding and surprise fianc? with a honeymoon to Europe.?He works so?hard and paid for almost the entire wedding and I would like to give him this gift. Right now we do not have our honeymoon planned and we are scheduled to get married in 2 months.

?My financial situation:
I am a good candidate for this loan because I have a good payment history. I pay my bills on time every month. A few years back I had lost my job and fell on hard times. Now I have learned to keep a cushion in my bank account, and have since started rebuilding my credit. I have not paid a bill late since, and I do not keep high balances on my credit cards. I do not charge anything I cannot pay off with my next pay check. I will answer any questions you have, I am an open book and would love the chance to make my fianc?s day when I surprise him with a paid honeymoon.

Monthly net income: $ 1800

Monthly expenses: $
??Housing: $?
??Insurance: $ 100
??Car expenses: $ 249
??Utilities: $
??Phone, cable, internet: $ 90
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Nov-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,698Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: trustworthy-trade0 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
move my business to better location
Purpose of loan:
This loan will be used to?
To relocate to a better location
My financial situation:
I am a good candidate for this loan because?
I always pay my bills on time. My past credit problems are from an ex. I have turned it around.
Monthly net income: $
6000.00
Monthly expenses: $
??Housing: $ 1203
??Insurance: $ 222
??Car expenses: $ 100
??Utilities: $ 135
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 500
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472053
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.2%  
   
 
Starting lender yield: 9.80% Starting borrower rate/APR: 10.80% / 12.92% Starting monthly payment: $424.37
 
Auction yield range: 3.89% - 9.80% Estimated loss impact: 3.28%  
Lender servicing fee: 1.00% Estimated return: 6.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1975 Debt/Income ratio: 19%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:30y 2m
Amount delinquent: $0 Total credit lines: 48 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,451Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: Acural Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 740-759 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
760-779 (Sep-2008)
740-759 (Apr-2008)
740-759 (Mar-2008)
 
Principal balance: $5,545.31 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Emergency Dental Care
Purpose of loan:
This loan will be used to?This loan will be used to pay for?emergency dental work.? I have gone through a terrible 7 months of tooth problems and 4 oral surgeries and ultimately lost the teeth.? I?now have no other alternative to replace these teeth but?with dental implants,?which is very costly.? Unfortunately, my dental insurance will not cover the implant cost so most of this will be out of pocket.? I recently very suddenly lost my younger brother and had to incur his funeral costs since he had no insurance.? This depleted my savings completely.? It is very important that I have this surgery done as soon as possible and do not want to put this on a credit card due to the outrageous finance charges.My financial situation:?I am a good candidate for this loan because I am a proven Prosper borrower with a current loan in good standing.? I have never been a day late on any of my accounts and take my financial obligations very seriously.? I am an owner of two homes and have been working for Citigroup for over 30 years.? I am a solid person with a proven track record of credit and borrowing.? I totally appreciate your consideration for this loan. My financial situation:
I am a good candidate for this loan because:
I am a proven Prosper borrower with a current loan in good standing.? I have never been a day late on any of my accounts and take my financial obligations very seriously.? I am an owner of two homes and have been working for Citigroup for over 30 years.? I am a solid person with a proven track record of credit and borrowing.? I totally appreciate your consideration for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472057
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1983 Debt/Income ratio: 26%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $65,364Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: buckydharma Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 680-699 (Latest)
Principal borrowed: $9,500.00< 31 days late: 0 ( 0% )  
700-719 (Aug-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Making Progess on Debt
Purpose of loan:
This loan will be used to?continue to consolidate debt.? I have made decent progress but there is still a ways to go.?

My financial situation:
I am a good candidate for this loan because?I?always pay my bills on time and I successfully completed a Prosper loan - all payments on time.? I truly want to be debt free and I would rather pay you the interest rather than the banks.? Since my first Prosper loan, there have been a couple of changes in my life.??I moved from Los Angeles, to Tucson, AZ where the cost of living is significantly lower.? I also got married in May to a wonderful man.??I certainly hope that you will continue to believe in me and that one day I can also be a lender to those in need.?

Monthly net income: $ 5000.00

Monthly expenses: $ 1885.00
??Housing: $ 0
??Insurance: $ 65.00
??Car expenses: $ 70.00
??Utilities: $ 0
??Phone, cable, internet: $ 350.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1200.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $79.52
 
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-1983 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 10Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:24y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,111Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: motomech10 Borrower's state: NewHampshire Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Here we grow again!
Back one more time to give this another try. Not sure if you have the ability to see my loan request history with Prosper, but if you can you will see that each loan I applied for but failed to get I ended up being able to work around or find elsewhere. Ultimately in each case I was able to move forward and expand the business as I planned. I explain this in advance only to show my persistence and belief in what I am doing and that what I am doing IS WORKING!In my last loan request I needed money for insurance so I can begin doing ATV rentals. We started and it's going great! Check it out here.  IRS Sports ATV Rentals.  I was able to get that money elsewhere (repaid in full with interest) and I have been doing rentals now for the last month and that has added to my income and grown my business. I am now booking rentals in advance and I have also sold 1 new machine in the last month since becoming a dealer. I grossed $1300.00 on the sale of that one machine alone.I am back one more time to try and secure a loan for the purchase of 3 brand new 2011 CFMoto off road machines. See them here.  2011 CFMoto off road models.We have done 3 ATV festivals in the area in the last month and have been getting a lot of interest from prospective buyers. My one down side is they are waiting for me to get these new 2011 machines in so they can see them in person.  The 2011 machines have just arrived in the country and are ready for delivery. The manufacturer offers floor planning with 20% down. The 3 machines I want to purchase cost me $10,000.00 shipping included. MSRP on all 3 machines total $21,500. As I said I have customers waiting for a call as soon as these machines arrive at my store.I am seeking a loan in the amount of $2000.00 so that I can purchase these 3 machines and get them delivered. There should be no problem repaying this loan since a worse case scenario is that I have to sell them at cost. Judging by the response we have gotten to date I suspect that won?t be necessary.Thanks again for your consideration. Check out our new TV commercial that began playing this week!  IRS Sports TV Commercial.  
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1990 Debt/Income ratio: 7%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 4Length of status:2y 11m
Amount delinquent: $44,213 Total credit lines: 7 Occupation: Professional
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $993Stated income:$50,000-$74,999
Delinquencies in last 7y: 14 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: integrity-victor 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
startup inventory advertising co,
Purpose of loan:
This loan will be used to?complete inventory to open already built-out?advertising company,offering?a variety of small business tools and resources in providing a networking platform to operate internet, video-conferencing, international travel, advertising, printing, promotional ventures, e-commerce, computer sales/repair/software, phone accessories, mobile media, t-shirt print advertising, shipping, data & language translation, data transfer, agent ticketing/? licensed), on site advertising and promotional tools, film (revenue stream unlimited), sound, events, productions, product and membership sales (future revenue stream membership based services).? The?company has 10 divisions?as expected to?generate revenue both on store front level and outside?business community.??My financial situation:? I am a good candidate for this loan because?I have sound job stability and revenue stream that will allow me to re-pay any micro-loan as assisted through my?current?employment in allowing?for?any loan repayment arrangement.? Unfortunately?my personal credit?had been tied to a family member?mortgage out of state;?as such?any deliquency from unrelated?property continues to pull down my score despite being credit worthty with sound employment and secondary business as?currenlty requiring limited funding.??Currently short of funding necessary to complete inventory and?fully open to?public.??

1st three months projected gross profit from various business divisions.???Upon funding to stock inventory, expect?business projected operational profit of $39k.???Yearly Sales of internet $6k, general surface advertising $18k, printing (t-shirt, hat, various publications $18k; mobile media $12k; travel ticketing $15k; other general markets/accessories, photograph, computer software, phone accessories,?subject to open sales?profit margin???

Monthly net income: $4200.00

Monthly expenses: $3,000
??Housing: $ 1000????
??Insurance: $?300
??Car expenses: $ no car note?
??Utilities: $ 400
??Phone, cable, internet: $ 300?
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $ 200
The above monthly net income is based on primary job employment, however once?company is funded?and launched into business markets, the monthly net income will significantly increase based on?store and business operations will be functioning in a positive financial and income generating capacity.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 4 Current / open credit lines: 2 / 2Length of status:10y 7m
Amount delinquent: $11,103 Total credit lines: 11 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $829Stated income:$50,000-$74,999
Delinquencies in last 7y: 19 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: currency-carrier Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Expansion Expenses
Purpose of loan: This loan will be used to expand marketing options for a Forex trading program that I created and have been teaching for several years.

My financial situation:
I am a good candidate for this loan because I have extensive experience in my field (10 years) and am honest.

Monthly net income: $ varies

Monthly expenses: $ 2,400
??Housing: $ 1,200????
??Insurance: $ 300
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472079
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,780.00 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: $125.76
 
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: Oct-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:20y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,144Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: truth-oath Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
help pay credit card off early
Purpose of loan:
This loan will be used to?pay off a credit card
My financial situation:
I am a good candidate for this loan because? i always pay on time and i have no delinquents or late payments. thanks!
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 472087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1999 Debt/Income ratio: 31%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:4y 5m
Amount delinquent: $300 Total credit lines: 13 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,113Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: first-basis-haven 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
Dream Kitchen
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 472089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1998 Debt/Income ratio: 75%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 17Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,794Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: note-achievement3 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 MY CREDIT CARDS
Purpose of loan:
This loan will be used to?
PAY OFF HIGH INTEREST CREDIT CARDS
My financial situation:? am a good candidate for this loan because?
? I WILL PAY MY BILL ON TIME EVERY MONTH.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472097
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
Auction yield range: 16.89% - 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: Apr-1997 Debt/Income ratio: 51%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 56 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,179Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: dime-resonance Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
700+, Want 2b Debt Free!
Hello, This is my first time in Prosper and thought I would try it out.?? I would like to extend an word of thanks to those that bid on me.
Purpose of loan:
The purpose of this loan is to consolidate those high interest credit cards and reduce my monthly expense.? My goal is to be free from this credit card debt that has placed me in this situation.
My financial situation:
Currently, my financial situation is one in which I work to pay everyone else.? As an educator, I only get paid once a month, it is difficult to budget several payments (to credit cards) with various due dates.? Between the two incomes, we do manage to stay afloat, however, I would like to ease some of this burden by consolidating these credit cards into one easy monthly payment.

My credit score with Experian is 706, I have worked very hard to bring this score up from a 524.? I am confident that my loan will be repaid on time as it will be automatically deducted from my account so there is no excuse for mail getting lost or bad checks.? I will add that my house payment is also automtically deducted from my account and with that, my house payment in 3 years has never been late.? I do have two auto loans, both of these have been on time.?
Monthly net income:
Currently, my monthly income from my full time job is salaried at $40K, I also work part-time as an Adult Literacy Instructor which pays me an additional 8-10K per year depending on funding.
I am also up for promotion within the college I currently work for, should that go through for me, I would then be earning $60,000. We are a dual income family and having said that, my husband's annual income for consideration of repayment is $38,000. Combined we earn about $78,000 - $86,000.

Monthly expenses: $
??Housing: $ 1151?
??Insurance: $?250 (full coverage & GAP per month-for both vehicles). House insurance is covered under escrow.
??Car expenses: $302 and $342 = monthly car payments the expenses associated with each gas and main.?are minimal but on average?can run about $100-200 for both vehicles.
??Utilities: $ 200 (appox. water, gas, elect)
??Phone, cable, internet: $ 240.00 (approx)
??Food, entertainment: $300 (food)?
??Clothing, household expenses $these are minimal expenses and nothing that is actually budgeted for.
??Credit cards and other loans: $ credit cards total balances?are actually?right at about $7500, I personally have 3 credit cards in my name, I share one with my?husband.? I plan on paying off the highest interest cards first and working my way down.?I am attempting to pay off these credit cards, the balance on one card is $3400, the balance on another card?is $1300, and the remaining?funded loan will apply to the 3rd card which has a current balance of $1233.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472099
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Jul-1985 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 19 / 15Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 45 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $244,070Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: worth-serrano 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
Healthcare Business Development
Purpose of loan:
This loan will be used to source new healthcare consulting customers with focus on regulatory relations and submission of licensing documents including reporting.

My financial situation:
I am a good candidate for this loan because I have had a long-standing career in healthcare and a significant number of relationships to utilize to grow customer base.

Monthly net income: $ 13,000.00

Monthly expenses: $
??Housing: $ 3222.00
??Insurance: $ 500.00
??Car expenses: $ 1000.00
??Utilities: $ 400.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $ 800.00
??Clothing, household expenses $ 500.00
??Credit cards and other loans: $ 3000.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472111
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 30.50% Starting borrower rate/APR: 31.50% / 35.56% Starting monthly payment: $64.92
 
Auction yield range: 13.89% - 30.50% Estimated loss impact: 15.60%  
Lender servicing fee: 1.00% Estimated return: 14.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1991 Debt/Income ratio: 7%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: green-p2p-travels 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
Unexpected expenses
Purpose of loan:
This loan will be used to cover unusual, non-reoccuring expenses.

My financial situation:
I am a good candidate for this loan because my company successfully weathered the economic recession and has returned to quarter-over-quarter growth. A renewed focus on the work I do will provide job security for the foreseeable future, and maintaining our reduced household expenses will allow us to return the loan amount promptly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 7 First credit line: May-1993 Debt/Income ratio: 4%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 2 / 2Length of status:8y 11m
Amount delinquent: $110 Total credit lines: 10 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $627Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: justice-boomarang 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
Unexpected Expense-Short-Term Need
Purpose of loan:
This loan will be used to pay off an unexpected expense.?

My financial situation:
I am a good candidate for this loan because I have a very stable job and have lived in the same location (both for 9 years).? I just need this cash flow to get me over a hump and then I can be back on track by making the needed payments.? I have also made the necessary lifestyle cuts (rid of premium cable, newspaper subscriptions, canceling club memberships, etc.) to ensure I don't run into this situation again.? Also, I need to reallocate my savings so that I have more liquid when needed - but that won't be possible in time for my immediate need.

Monthly net income: $ 2,859

Monthly expenses: $
??Housing: $ 950
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $?45
??Phone, cable, internet: $ 85
??Food, entertainment: $ 100
??Clothing, household expenses $?75
??Credit cards and other loans: $ 150
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472121
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.00% Starting borrower rate/APR: 24.00% / 27.48% Starting monthly payment: $156.93
 
Auction yield range: 13.89% - 23.00% Estimated loss impact: 15.24%  
Lender servicing fee: 1.00% Estimated return: 7.76%  
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: 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: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2009)
 
Principal balance: $751.24 31+ days late: 0 ( 0% )
Total payments billed: 10  
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 472123
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $212.80
 
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: Sep-1996 Debt/Income ratio: 26%
Credit score: 760-779 (Jul-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,774Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: Xanadu2You Borrower's state: Washington Borrower's group: Fix your credit, then get a loan.
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
760+, CC consolidation & buy laptop
PLEASE NOTE:? in late July, I listed a loan and Prosper deemed me an "A" rating.? One week later, I re-listed my loan and found myself with a "B" rating by Prosper.? Upon querying Prosper, they indicated:
"On Sunday July 25 we changed our credit policy criteria, so now some areas are weighted differently then [sic] before.? This is why you had a different result from your original visit."? Please note, my credit score (760+), HAS NOT CHANGED.? I am still an "A" rating by Prosper's?historical standards.

Purpose of loan:
Consolidate and pay off all remaining high-interest credit card debts (about $5K) incurred during 2 years of unemployment.? Also, purchase a new computer (about $1500) to replace 5 year old dying laptop, for the operation of my side crafting business.

Examples of my work from my home crafting business are available on my Etsy website:? http://www.Xanadu2You.etsy.com.? I make some sales on my website, but more frequently sell at live craft/art fairs (in addition to my full-time work) to supplement my full-time income and pay my bills.

My full-time employment is funded by a long-term contract funded by the Recovery Act, and is extremely stable -- our department's contract has been officially renewed for another 3 years, as of this month.? In addition, I have strong support from friends and family, who have graciously lent me money as-needed to keep me solvent while unemployed, and who will be willing to back me up again if I ever need their support.?

Please ask me any questions you may have.? This is a GUARANTEED investment.

Income: $44,000/year salary, plus income from crafting business

Housing:$800/month

Car payment: $458/month (in the process of re-financing to a lower rate to lower this bill for the remaining term, now that my credit score is so high.? Purchased this car ONE WEEK before I lost my job, and I have made EVERY PAYMENT on time.)

All other bills (insurance, gas, utilities, groceries, etc.): ~$500/month

Credit cards: I pay ~$300/month,?much more than the minimum payments?(This is my total revolving credit balance,?which will?be paid off with proceeds from this lower-interest Prosper loan)


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472147
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1999 Debt/Income ratio: 24%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 9Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 61 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $337Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: kind-genuine-interest 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
Rose Garden Child Care Center
Purpose of loan:
This loan will be used to start up a small child center in Baltimore City for low income children

My financial situation:
I am a good candidate for this loan because I pay as agreed and I have a solid track record of acquiring credit and repaying as agreed.

Monthly net income: $ 6143
Monthly expenses: $
??Housing: $ 908
??Insurance: $ 17
??Car expenses: $ 400
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $246.56
 
Auction yield range: 10.89% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1994 Debt/Income ratio: 12%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:10y 6m
Amount delinquent: $785 Total credit lines: 13 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: compatible-transaction3 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
Catch up on bills after surgery
Purpose of loan:
This loan will be used to? I recently had to take a leave of absence from work to have surgery done and fell behind on a couple of bills.

My financial situation:
I am a good candidate for this loan because? My credit score should speak for itself, I have only had one late payment ever on my credit file due to this surgery. Prior to this I have never been late on anything. I have good income as does my husband, and just need to catch up on a few things to avoid my credit score tubing. Please note that only my income is accounted for in this. Thanks!

Monthly net income: $ $5000

Monthly expenses: $
??Housing: $ 875
??Insurance: $ 120
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 670
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471706
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2007 Debt/Income ratio: Not calculated
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 1 / 2Length of status:0y 2m
Amount delinquent: $201 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,204Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: transaction-thinker 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
Buying a new computer
Purpose of loan:
This loan will be used to? Buy a new computer.? I have a PC, and would like to switch to a Mac as it better fits my needs being a college student.? I don't have enough money to buy the computer straight up, and don't want to use a credit card either.? This seems like an easy option.

My financial situation:
I am a good candidate for this loan because? I have a job during the school year, and I also work as a marketer for my roommate.? He has a painting business, and I make anywhere from $100-300 per weekend marketing for him.

Monthly net income: $ 2000

Monthly expenses: $ 1,340
??Housing: $ 800
??Insurance: $ 0
??Car expenses: $80
??Utilities: $ 0
??Phone, cable, internet: $50
??Food, entertainment: $ 250
??Clothing, household expenses $60
??Credit cards and other loans: $
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471866
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 820-839 (Aug-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 35 Occupation: Realtor
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: Thylow Borrower's state: California Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained from 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 Marketing and Investing
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I manage my debt and have a reserve of $75,000 Cash in the Bank. I'm building my prosper credit and I invest in real estate and rent the rooms for cash flow. I've been doing this for over 5 years and plan on acquiring more real estate with creative financing and prosper loans for acquisitions. I have a 3 year plan to positive cash flow real estate based on certain criteria that I'm looking for in a property. I've done the analysis and cash flows with a 1st trust deed at 5% and a prosper loan. After paying off the prosper loan in 3 years I'll reap the rewards. The loan right now won't be used for real estate because I need at least $25k for my acquisitions. I also need to be able to quality for for a $25k prosper loan. The money for this loan will be used for small marketing expenses and building prosper credit.

Monthly net income: $4500

Monthly expenses: $800
??Housing: $1460
??Insurance: $1600(car - Already paid in full for the year) Medical monthly premium $220
??Car expenses: $0 All paid off
??Utilities: $70 per month
??Phone, cable, internet: $120 per month
??Food, entertainment: $400 (part of the Monthly expense above)
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 3 First credit line: Dec-1991 Debt/Income ratio: 43%
Credit score: 760-779 (Jul-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 19Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 63 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,928Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: justice-jedi 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
paying off bills
Purpose of loan:
This loan will be used to? pay off bills

My financial situation:
I am a good candidate for this loan because? I just need to consolidate some debt and get a breather.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Mar-1991 Debt/Income ratio: 35%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 7Length of status:4y 1m
Amount delinquent: $949 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,481Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: maracas4 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
Selling home to pay credit cards
Purpose of loan:
Perform improvements to a rental home we own in?Texas in order to sell it for cash equity. Actually seeking $11K for full inspection related improvements. We have a very successful realtor that has sold homes in the same neighborhood recently above market value. We have a lot of equity tied up in this home which will enable the payoff of this loan in full. We plan to use this money solely to cover the mortgage for a few months, get the improvements done, and get the house sold.

My financial situation:
I am a good candidate for this loan because?I am about the most trustworthy person I believe you could hope for. You will get paid first out of my income for this loan, because it is serving a very valid and viable purpose. I just got an annual increase at work as well. I am a West Point graduate, class of 1992, and an honor representative in my class there. My wife and I are both former US Army officers. We have a family of six to support (four little girls).?With a drop in income a couple years ago, through?the loss of a job surrounding a preemie baby arrival, we have been stretched, digging ourselves in deeper into debt to make ends meet.

I do not take this loan lightly, and understand the scoring and why, at this snapshot in time, the numbers do not appear?in my favor. I have a very stable job, so my personal income is very safe. In fact, simultaneously, my wife is starting a tutoring business to increase our income, which carries with it very little overhead and practically no startup capital, with already interested clients and good partners. My car expenses are covered through work, so our vehicle expenses are low with only one private vehicle that we personally support.

If you could find it in your heart to loan up to $11,000 that is really what we are seeking to cover the mortgage for a few months and get the full improvements done now. We have contractors standing by that will start work right away.

The equity will go towards driving down our debt on our credit cards, the cause of our two recent, and?ONLY delinquencies on our credit report. Our otherwise stellar credit is affected by a debt to income ratio outside of norms. We will fend off the credit companies during this short term so the overall risk to you is very low.

Monthly net income: $ 5,620

Monthly expenses: $ 4,610
??Housing: $ 1,850
??Insurance: $ 250
??Car expenses: $ 180
??Utilities: $ 350
??Phone, cable, internet: $ 180 (no cable)?
??Food, entertainment: $ 900
??Clothing, household expenses $?200
??Credit cards and other loans: $?400
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471888
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1984 Debt/Income ratio: 27%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 40 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,057Stated income:$50,000-$74,999
Delinquencies in last 7y: 38 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: openness-orbiter 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
Pay off urgent debt
Purpose of loan:
This loan will be used to? pay off urgent debts that were made out of hardship due to home repairs.?

My financial situation:
I am a good candidate for this loan because? I take my responsibilities seriously and would?pay this loan as agreed or early.?

Monthly net income: $ 4350.

Monthly expenses: $?
??Housing: $ 1462
??Insurance: $ included
??Car expenses: $ 622
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471910
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $173.69
 
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: Nov-1993 Debt/Income ratio: 12%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $137Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: SJH_MNYMGMT 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
Debt Repayment Strategy
Purpose of loan:
This loan will be used to consolidate my debt.? I am currently on track to pay off my total debt ($9,000) in 3 years based on an interest rate of 11.24% (the highest APR currently applicable to my accounts).? I would like to pay off this debt at a lower interest rate, and apply the cost savings to my emergency and savings funds.

My financial situation:
I am a good candidate for this loan because I have excellent credit (760-779), a secure position with my company (promoted in 2008), and a firm strategy for managing my finances.? I budget my income and expenses (listed below) through Mint.com.? Since I set a firm strategy earlier this year, I have paid down my total debt from $10,500 to $9,000.

My annual gross income is $47,250.? My monthly net income (below) reflects the amount after deductions for health insurance and retirement contributions.? I do not have children, pets, or other financial responsibilities besides paying my own expenses.

As listed in the figures below, I have a surplus each month of $305.? I currently apply these additional funds toward debt repayment (in addition to my $200 minimum payments), bringing my total debt payments to $505 per month.? I would like to pay less toward debt through fixed payments to Prosper, and apply the excess to emergency and savings funds.

Monthly net income: $ 2805

Monthly expenses: $ 2,500
??Housing: $ 750
??Insurance: $ 0
? Transportation expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 650 ????
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
? Professional development: $ 200
? Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471914
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 7 First credit line: Jan-1990 Debt/Income ratio: 11%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,397Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: tender-benefit1 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for Weight Loss Surgery
Purpose of loan:
This loan will be used to?pay for the balance of weight loss surgery.? The total cost is $8750.?? I've already spent money on airfare and placed a deposit for the surgery to be performed October 18, 2010.???? I have a 2 week paid leave of absence from my work for this time period.

My financial situation:
I am a good candidate for this loan because?I have a good income, I'm dedicated to completing this surgery and getting in better health.? The money I will save from not eating out will be enough to pay the loan!??? I also have a Flexible Spending Account at my workplace which has $4,800.00 that is unused and will be reimbursed to me within approximately 1 week of submitting the surgical cost.??

Monthly net income: $ 4800

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 120
??Car expenses: $ 600
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471922
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1998 Debt/Income ratio: 28%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 3Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 25 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $407Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: velocity-nirvana Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need larger car for gowing family
Purpose of loan:
Need a larger vehicle for our growing family

My financial situation:
Is getting better, I am constantly working on it

Monthly net income: $ 2640.00 per month

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 471930
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Apr-2003 Debt/Income ratio: 14%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,407Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: dollar-bridge 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
Student Loan
Purpose of loan:
This loan to pay for graduate school. I will pay off this loan once my financial aid is disbursed.

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

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 1100


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1989 Debt/Income ratio: 12%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:17y 0m
Amount delinquent: $132 Total credit lines: 18 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 33 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: enthralling-deal468 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
Erasing debt
Purpose of loan:
This loan will be used to?
Help my son with tuition in college
My financial situation:
I am a good candidate for this loan because?
I have a steady job and am willing to work an extra job to pay off? loan.

Monthly net income: $ 2600


Monthly expenses: $
??Housing: $ Husband?is the homeowner
??Insurance: $ automatically taken from check
??Car expenses: $
??Utilities: $?200
??Phone, cable, internet: $300
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200?
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,100.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 20.23% Starting monthly payment: $38.21
 
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): 9 First credit line: May-2004 Debt/Income ratio: 7%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,857Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: dime-anteater Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? Pay off a high interest credit card

My financial situation:
I am a good candidate for this loan because? I have incredible job security and, thanks to Mint.com, I have established a better budget for myself.

Monthly net income: $2215 (approx)

Monthly expenses: $ 1880 (approx)
??Housing: $650
??Insurance: $80
??Car expenses: $200
??Utilities: $50
??Phone, cable, internet: $150
??Food, entertainment: $200
??Clothing, household expenses $150
??Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1976 Debt/Income ratio: Not calculated
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 5 / 3Length of status:11y 5m
Amount delinquent: $274 Total credit lines: 15Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,254 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: responsibility-panda5 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
medical expenses
Purpose of loan:
This loan will be used to? help pay off my medical bill

My financial situation:
I am a good candidate for this loan because? I really need the money its very important I pay my medical for my surgery because my insurance won't pay for it.

Monthly net income: $ 45000

Monthly expenses: $
??Housing: $ 0 ???
??Insurance: $ 150
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $542.29
 
Auction yield range: 10.89% - 17.00% Estimated loss impact: 11.20%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,680Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: excellent-return536 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
Building new kennel for business
Purpose of loan:
This loan will be used to?
build a new kennel for my english bulldog business.? I have?raised champion english bulldogs for several years?and have recently divorced.? I am having trouble obtaining an unsecured loan at the local bank even though I have a high credit score and an above average income.? I sell and ship english bulldog puppies nationwide.? Please visit my website at: www.ByGraceBulldogs.com
My financial situation:
I am a good candidate for this loan because?
I have a good reputation as a business woman and am very goal-oriented and organized.?I sell my puppies for $1800.00 to $2500.00 each, and?I average 15 litters per year.?
Monthly net income: $
7500.
Monthly expenses: $
??Housing: $ 302.
??Insurance: $ 90.?
??Car expenses: $ 318.
??Utilities: $ 400.
??Phone, cable, internet: $ 200.
??Food, entertainment: $ 400.?
??Clothing, household expenses $200.
??Credit cards and other loans: $ 0
??Other expenses: $ 200.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $82.19
 
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: Jul-2002 Debt/Income ratio: 8%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:1y 9m
Amount delinquent: $165 Total credit lines: 14 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,837Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: ferocious-transaction1 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
Post-startup liquidity crunch
Purpose of loan:
This loan will be used to pay for a security deposit and first month's rent for an apartment.

My financial situation:
I left my previous job to start a company with a college friend. After 6 months, the venture failed and I am moving back to my previous job and my previous apartment. I am currently working at my previous position as a part-time consultant while I look for an apartment. I have several new job interviews that will substantially raise my current salary. However, I have very little cash on hand due to the failure of the start-up. My cash flow has improved substantially, however I will not be able to accumulate enough cash to pay for the security deposit, first month's rent, the broker's fee, and living expenses until September.

Monthly net income: $ 3800 (after taxes)

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 50
? Transportation expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 180
??Food, entertainment: $ 1200
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-2005 Debt/Income ratio: 29%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 12Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 12Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,743Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: return-wonder 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
Pre-med student paying off debt
Purpose of loan:
To pay off all my credit card debt as well as some debt from school. ????

My financial situation:
I am a good candidate for this loan because I have shown good payment history on all of my accounts for the past few years.? I have paid, every loan I have had in full within a shorter term than agreed upon with lenders.? I currently work two full-time jobs as well as attend college full-time.? I am very responsible and just need help consolidating debt so that I can have one monthly payment per month for all of my revolving debt and school expenses.? I own my home and will be graduating from college next year.
Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1016
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 358
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $452.03
 
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: Aug-1995 Debt/Income ratio: 15%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,414Stated income:$75,000-$99,999
Delinquencies in last 7y: 5 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: the-graceful-investment Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Upkeep and CC Consolidation
Purpose of loan:
This loan will be used to consolidate my credit cards to one payment and make improvements to the property from items that wore out from the seasons.

My financial situation:
I am a good candidate for this loan because of my current employment at a hospital positioned to take advantage of the current and future health care climate.

Monthly net income: $ 4927.00

Monthly expenses: $
??Housing: $ 1911.34
??Insurance: $?207.38
??Car expenses: $ 325.00
??Utilities: $ 220.00
??Phone, cable, internet: $ 280.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 120.00
??Credit cards and other loans: $ 240.00
??Other expenses: $ 100 (Pet Supplies)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 6.25% Starting borrower rate/APR: 7.25% / 9.32% Starting monthly payment: $232.44
 
Auction yield range: 3.89% - 6.25% Estimated loss impact: 3.51%  
Lender servicing fee: 1.00% Estimated return: 2.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-2000 Debt/Income ratio: Not calculated
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 10 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,791Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: greenback-gourd Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Cosolidating Loans at a Lower Rate
Purpose of loan:
Consolidate two lines of credit into one for easier payment and lower interest rate.

My financial situation:
My job is in the avionics industry and we are currently hiring and increasing production.? I have never been late on any payments.? I would like to lower my interest rate so that I can get more money into my emergency savings.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471972
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 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: $117.61
 
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-1979 Debt/Income ratio: 14%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 4 Current / open credit lines: 2 / 2Length of status:3y 10m
Amount delinquent: $4,842 Total credit lines: 30 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 39 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: YAYARUFF Borrower's state: Minnesota Borrower's group: UtopiaLoans.com - Now Over $1 Million in Closed Loans!!
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 91% ) 640-659 (Latest)
Principal borrowed: $3,500.00< 31 days late: 3 ( 9% )  
640-659 (Jul-2010)
640-659 (May-2010)
660-679 (Mar-2010)
680-699 (Nov-2009)
 
Principal balance: $415.13 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
PAY UP MY BILLS
Purpose of loan:
This loan will be used to? BRING ALL MY BILLS CURRENT AND PAY OFF SMALL BALANCE ON PROSPER LOAN??? ?I PAY MY BILLS

My financial situation:
I am a good candidate for this loan because? I DESERVE A BREAK TODAY I GOT?BEHIND 2 MONTHS WHEN I BROKE MY ARM I WHANT TO GET CURRENT AND STOP THE PHONE CALLS THANK YOU

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 1387
??Insurance: $ 140
??Car expenses: $ 75
??Utilities: $ 200
??Phone, cable, internet: $ 99
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471976
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.7%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 17.27% Starting monthly payment: $170.89
 
Auction yield range: 7.89% - 13.00% Estimated loss impact: 7.99%  
Lender servicing fee: 1.00% Estimated return: 5.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1998 Debt/Income ratio: 6%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 31 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,952Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: nbk4sez Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 780-799 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
800-819 (Jul-2010)
740-759 (Oct-2009)
740-759 (Jul-2009)
720-739 (May-2008)
 
Principal balance: $457.20 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Consolidate Student Loan at Low APR
I am looking to consolidate an exisiting Sallie Mae Student Loan from its current rate of 16.5% to an even lower rate.? I have paid for this loan consistently for the last 5 years without any issues, and have made more and more money at my job.? I am looking to aggressively pay this down as fast as possible through prosper using a shorter period and why not also at the same time give some nice interest back to the communitty instead of banks!? My creditis perfect the one other loan i tried is basically paid off as you can see in my history.? My credit is perfect, and i have no other debt.

thanks,
ANdy!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471978
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
Auction yield range: 16.89% - 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: Sep-1998 Debt/Income ratio: 24%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,819Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: busyhsaandmom Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 97% ) 660-679 (Latest)
Principal borrowed: $4,500.00< 31 days late: 1 ( 3% )  
720-739 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
GUARANTEED PAYER---great history
Purpose of loan:
This loan will be used to pay off medical bills from emergency surgery that my husband had earlier this year. He spent 7 days in the hospital after having emergency surgery. All 7 days were in the PICU and he required critical care.

My financial situation:
I am a good candidate for this loan because I pay ALL my bills and since my last loan, I have had 2 promotions. This shows my hard working attitude and my commitments to my responsibilities. Also my prior Prosper loan record shows my pay history.

Monthly net income: $ 4200 - mine? 7000 - combined (husband and I)

Monthly expenses: $
??Housing: $?657
??Insurance: $ 200
??Car expenses: $ 650?
??Utilities: $?300
??Phone, cable, internet: $ 200?
??Food, entertainment: $ 200-300
??Clothing, household expenses $ 100-200 average?
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
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: 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): 4 First credit line: Sep-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,050Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: dynamic-fund1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Just want to pay off my credit card debt at a little lower rate.

I have no trouble affording any of my current payments, I just want to consolidate 2 cards into one payment and lower my rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471992
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Jan-2001 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:0y 5m
Amount delinquent: $597 Total credit lines: 20 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,876Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: systematic-bonus3 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off my high interest credit cards.

My financial situation:
I am a good candidate for this loan because?I have a good job now but I had to go out of the country on an emergency trip and I bought the ticket on my high-interest credit card because I didnt have the cash at the time, now Im trying to pay it off quickly. I'd rather pay interest to?prosper members than to the credit card companies.?

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $???????????????? $1600
??Insurance: $??????????????$100
??Car expenses: $??????? $100
??Utilities: $?????????????????? $200
??Phone, cable, internet: $ 100
??Food, entertainment: $?? $200
??Clothing, household expenses $??200?
??Credit cards and other loans: $?? 300
??Other expenses: $???????????????????? $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $347.39
 
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-2002 Debt/Income ratio: 13%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 4 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $409Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: economy-sergeant7 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
Buying my first boat!
Purpose of loan:
This loan will help me buy my first boat, which will hopefully be a Mastercraft Prostar. I've grown up on boats my whole life and figured that now is the time for me to buy my own!

My financial situation:
I actually have enough cash on hand to pay for the boat without a loan, but I am trying to prevent dipping too deeply into my cash reserves. I have a stable job that I am rapidly progressing in, so I believe that my income is very secure. In two weeks I will be moving into a house with two friends of mine, so I will be cutting my monthly expenses by at least a third (e.g. my monthly rent is dropping from $1030/mo to $400/mo).

Monthly net income: $3,040

Monthly expenses: $ 2268
??Housing: $400
??Insurance: $120
??Car expenses: $298
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 450
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 0
??Other expenses: $ 500 (savings), $200 (miscellaneous)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471996
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1999 Debt/Income ratio: Not calculated
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:6y 2m
Amount delinquent: $1,530 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $201Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: income-pro9 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
Equipment for Desi's Doll House
Purpose of loan:
This loan will be used to purchase equipment for my salon????

My financial situation:
I am a good candidate for this loan because I have been in the hair and salon industry for over 10 years and plan to incorporate what I have learned over the years into my own business. My credit shows longevity and overall stability. I did want to note the one and only delinquent account has been paid however per the company, it takes 45 to 60 days to be updated with the credit bureau's.

Monthly net income: $6200.00 (business)


Monthly expenses: $ 2274.00
??Housing: $ 1500.00(business lease)????
??Insurance: $ 120.00
??Car expenses: $
??Utilities: $ 360.00
??Phone, cable, internet: $ 99.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 35.00
??Other expenses: $ 160.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 5.00% Starting borrower rate/APR: 6.00% / 6.34% Starting monthly payment: $304.22
 
Auction yield range: 2.89% - 5.00% Estimated loss impact: 1.54%  
Lender servicing fee: 1.00% Estimated return: 3.46%  
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): 10 First credit line: Aug-1996 Debt/Income ratio: 16%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,115Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: basis-oracle Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off My Credit Cards
Purpose of Loan?? ?

I am determined to take charge of my life and pay off the credit card debt that has plagued me since college.? I admit to having been financially careless in the past, however I now realize that I must be financially responsible in order to live my life to the fullest.? I want to pay off my debt so that I have money to one day raise a family, support my parents, donate to charity, and live guilt free. ?


Financial situation

I have been loyally making monthly credit card payments for the last 12 years.? Currently I am able to comfortably pay $300 a month in credit card payments, however only a little more than half of that actually goes to paying off my debt.? The rest simply goes to paying bank fees. ?

I work full time as a Graphic Designer/Photographer at the same company for the last two years. ?

Some of the steps I have made to take charge of my financial situation have been:
1) Curbing my spending (I didn't by the latest greatest new iPhone! I still have my old beaten down laptop of 4 years!).
2) I try to bring my own lunch to work every day and eat in as much as I can.
3) I write down everything I spend on and try to stay in a budget.

All I want is to pay off my debt as fast as possible!? Investing in me guarantees that your money will make interest, because my monthly payments will be going to you rather than a giant bank with huge interest rates! ?


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472006
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $212.26
 
Auction yield range: 10.89% - 29.00% Estimated loss impact: 11.53%  
Lender servicing fee: 1.00% Estimated return: 17.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1997 Debt/Income ratio: 13%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,555Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: openness-meadow Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF CREDIT CARD BILLS!
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 haven't been late on a payment in 2 years! My wife and I just bought a house in march.we just used her credit-because at the time mine wasn't very good.Now i'm standing at a 660.I'm a hard worker and have had the same job for almost 7 years.

Monthly net income: $ 3000

Monthly expenses: $ 1500
??Housing: $ 615
??Insurance: $?wife takes care of
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 185
??Food, entertainment: $ wife takes care of
??Clothing, household expenses $ wife
??Credit cards and other loans: $?350 (paying now on cards- loan would be in place of this payment
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $493.13
 
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: Dec-1999 Debt/Income ratio: 14%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $196Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: eloquent-agreement0 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
Modest Wedding
Purpose of loan:
This loan will be used to fund my wedding to my beautiful fiance!!

My financial situation:
I am a good candidate for this loan because I am credit worthy. I have been at the same job, working as an IT consultant for the past 10 years. I have always payed my debt and am very reliable.

Monthly net income: $4300

Monthly expenses: $500
??Housing: $800
??Insurance: $90
??Car expenses: $362
??Utilities: $220
??Phone, cable, internet: $25
??Food, entertainment: $120
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-2001 Debt/Income ratio: 38%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 18 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,042Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: jr246002 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pre-Deployment Travel/Family Time
Purpose of loan:
Travel the nation before deploying to Afghanistan next month.? Spend quality time with family and friends by?having a going-away party.? Pay off some debt.

My financial situation:
I will be earning plenty of money during my deployment with very few bills to pay because?all my accounts?will all be frozen for the next 279 days.?I was hoping I would be able to borrow more, but I can pay back $7,500 within a few months of being deployed.

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 375
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $?700
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472018
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.6%  
   
 
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: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,548Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: hardworker07 Borrower's state: NewJersey Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
No delinquencies / Paying off Card
This loan will be used to pay down my high interest credit card...... and to help me reach my goal of having a great credit rating


My financial situation:

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



I am a great candidate for this loan because I am never late with making payments. My plan is to pay this loan back within 12 months. Come the end of September, my net income will increase and I will be able to double/triple my monthly payments.


Thank you for your consideration and I would be happy to answer any questions you may have.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
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-1993 Debt/Income ratio: 39%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 35 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,463Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: xoxoxo22 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
Payoff high interest loan
Purpose of loan:I am a good candidate for this loan because I have never been late on a payment, have a good job at a college, and am motivated to pay off the loan during the term. I am an extremely responsible individual and take this loan seriously.I'm trying to rebuild my credit by paying off a high interest loan as well as some credit cards.

Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ 950.00
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $?75.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.00% Starting borrower rate/APR: 26.00% / 29.52% Starting monthly payment: $302.18
 
Auction yield range: 13.89% - 25.00% Estimated loss impact: 15.33%  
Lender servicing fee: 1.00% Estimated return: 9.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1987 Debt/Income ratio: 13%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 6 Current / open credit lines: 17 / 14Length of status:7y 0m
Amount delinquent: $1,168 Total credit lines: 41 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,434Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: noble-dough6 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
Improvements to be made to sell
Purpose of loan:
This loan will be used to update my?condo in preperation for sale.

My financial situation:
I am a good candiate for this loan becuase I will be making on time payments and my monthly obligations will decrease substantially once my place is sold and sharing living expenses with my wife to be.

Monthly net income: $ $6500.00 salary?plus bonus and commission

Monthly expenses: $
??Housing: $ 1400
??Insurance: $?120
??Car expenses: $ 447
??Utilities: $?100
??Phone, cable, internet: $ 125
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1987 Debt/Income ratio: 15%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 47 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,965Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: kahuna048 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
Bridge loan until IPO Lock-up exp.
Purpose of loan:
This loan will be used to provide short term financing until the lock-up period on my stock options/equity expires in late November 2010.?

My financial situation:
I am a good candidate for this loan because I pay my debt and have a means to pay off all debt (except Mortgage) on 12/1/10.? I have over $240K vested options with my employer and I am currently in a post-IPO lock-up period until the end of November.

Monthly net income: $ 9500.00

Monthly expenses: $8400.00
??Housing: $ 4600
??Insurance: $ 80
??Car expenses: $ 450
??Utilities: $ 250
??Phone, cable, internet: $ 210
??Food, entertainment: $ 1000
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 1400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472032
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $294.03
 
Auction yield range: 10.89% - 34.00% Estimated loss impact: 11.67%  
Lender servicing fee: 1.00% Estimated return: 22.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2005 Debt/Income ratio: Not calculated
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 13 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,628Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: spirited-penny7 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
Business Investment
Purpose of loan:
This loan will be used to?

Help fund the downpayment for a rental property. Banks are very conservative these days and are wary of providing a construction loan, a loan where they lend the purchase price of the property plus the money to rehab it. But after 6 months of seasoning (meaning having the property leased for 6 months), two banks that I have a relationship with will refinance a stabilized property on a longer term loan. They will refinance the home for the original loan amount plus the downpayment. Thus, I will get my downpayment back and pay off my Prosper loan. In the meantime, the rents and the interest carry portion of the construction loan will cover the payments.

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

I have over $10,000 in savings, I have good credit, I'm an experienced rental manager, and I've been on my current job for 3 years with a 100% occupancy on the rental units I manage with minimal turnover time each year. Besides a $200 medical bill in college (5 years ago) that was paid late, I have never had a late payment on anything. I have a personal mortgage, three investment properties with a partner, and one investment property on my own. Also, I never use credit cards for personal use. I have a Southwest Rapid Rewards card that I charge up with business expenses to get the rewards, but payoff every month before interest hits. So my revolving balance is actually around zero.

I have 5 years of management and property rehabilitation experience dealing with every aspect of rental real estate. I currently manage 60 rental units. I have already stabilized a rental home in the same neighborhood where this property is located, which I financed myself. My first property is leased at $700/month. After the seasoning period, my payment will be less than $200/month on a 20 year note with a $25,000 loan balance. This new property will be the same.

I started my listing at a high interest rate, but I know I'm worthy of a better rate. If you agree, then please bid it down.

Thanks for your consideration!

Monthly net income: $ 4400 (salary plus personal rental income)

Monthly expenses: $?2250
??Housing: $ 1450 (personal home plus rental home)
??Insurance: $ 100
??Car expenses: $100 (no loan)?
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472042
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,675Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: No  
Screen name: green-serene-repayment 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
Still Growing Est. Vntg Guitar Biz

Purpose of loan:
We are looking for open-minded investors interested in solid returns in exchange for investment in our steadily growing online-based vintage guitar boutique. Over 15 years of experience hunting down, refurbishing, and selling unique and rare vintage guitars culminated three years ago in the establishment of what has become a recognizable and respected brand around the world. In this short 3-year period, we have serviced customers in over 20 countries, selling over 1000 guitars ranging in price from $500-$45,000, with consistent annual gross sales of $250,000+ for two years running. With expenses more or less fixed, and overheads being kept low, the purpose of loans then will be to fund inventory purchases in an effort to increase customer selection and ultimately turn a growing volume of inquiries into sales. With our 21st century, mostly online business model, we have transcended many of the traditional barriers which have discouraged freer long-distance trade in fine instruments. In doing so, we have encouraged many former "store-only" domestic and international buyers to search for and purchase rare guitars online and over the phone with the utmost confidence.


My financial situation:
Our shop is a good candidate for this loan because we are not a start-up and have several years of perfect loan and invoice payments. We have had accountants from day one and can provide three years of books showing positive growth. Bank loans taken out to help start the company are well on their way to being paid back, and most assets used to run the business are now owned (computers, cameras, etc.). With steady sales, even through the largest economic slowdown in ages, the strength of this market is evident and our established place within it is clear.

We will be happy to discuss the particulars of expenses and income with seriously interested investors. We are hesitant to do so more openly as we are an established business with competitors. As a younger entrepreneur I have found traditional avenues of financing restrictive and noncommittal, even with a perfect payment history, three years of formal books, and clear ability to understand and repay credit. Ultimately then, we are looking for investors interested in not just seeing great returns, but in funding an exciting alternative investment avenue fueled by clear supply and demand advantages. Three years in, we are poised to make an even bigger splash in the market and are therefore looking for serious longer-term capital investment to the tune of $50k-$100k, which would allow us to significantly increase our inventory, meet demand, and convert interest into sales.

Feel free to visit: www.MainStreetVintageCo.com

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.00% / 39.75% Starting monthly payment: $343.53
 
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: Aug-2007 Debt/Income ratio: 16%
Credit score: 720-739 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: unconquerable-transaction Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off rent/utilities/car repair
Purpose of loan:
This loan will be used to?pay off the rest of my rent, utilities, repair my car before damages get worse, pay of medical bills, etc.

My financial situation:
I am a good candidate for this loan because?I have a steady income and minimal monthly expenses.

Monthly net income: $ $2,000 +

Monthly expenses: $
??Housing: $ 575.00
??Insurance: $ 0.00
??Car expenses: $ 0.00
??Utilities: $?60.00 +/-
??Phone, cable, internet: $ 100.00
??Food, entertainment: $
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472046
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:18y 2m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46,824Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: brightest-astute-money 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
Investor in single- family homes
Purpose of loan:
This loan will be used to?Invest in?low-priced single-family homes to wholesale or assign to other investors.

My financial situation:
I am a good candidate for this loan because?I have never been late on a payment or defualted on a loan.? I have educated myself? on how to invest in this lucrative? real estate market with?minimum risk.? I?owned and operated very successfully a resturant for 13 years.? Have bought and sold real estate profitably for several years.? ?

Monthly net income:?4155

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 60
??Car expenses: $50
??Utilities: $175
??Phone, cable, internet: $ 142
??Food, entertainment: $175
??Clothing, household expenses $50
??Credit cards and other loans: $2500
??Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472052
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 8 First credit line: Mar-1989 Debt/Income ratio: 10%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,581Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: green-bonus-apricot 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 specific 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 472056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.00% Starting borrower rate/APR: 22.00% / 25.83% Starting monthly payment: $57.29
 
Auction yield range: 13.89% - 21.00% Estimated loss impact: 15.14%  
Lender servicing fee: 1.00% Estimated return: 5.86%  
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): 5 First credit line: Mar-1995 Debt/Income ratio: 45%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:4y 11m
Amount delinquent: $74 Total credit lines: 17 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,721Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: pound-merry-maker 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 for medical expenses.
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 472062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $398.57
 
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: Dec-1997 Debt/Income ratio: 11%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: burgeoning-community 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
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 472068
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $249.11
 
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: Aug-1997 Debt/Income ratio: 16%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,976Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: image70 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 my CC's in good standing
Purpose of loan:
This loan will be used to help consolidate my credit card debt.

My financial situation:
I am a good candidate for this loan because I will pay monthly - I'm currently in good standing with my bills.?

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 1050
??Insurance: $ 100
??Car expenses: $ 270
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500?- this is why I need a lower interest rate
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472078
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $542.83
 
Auction yield range: 10.89% - 34.00% Estimated loss impact: 11.67%  
Lender servicing fee: 1.00% Estimated return: 22.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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: Jan-1984 Debt/Income ratio: 53%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 33Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,662 
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: precious-silver5 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
Pay Off Credit Cards, Home Repairs
Hello, Thanks for your interest in my listing!

I am 65, I retired from the State of Illinois after working there for 20 years.? I have Social Security benefits, and I work two days a?week in the billing department at a local hospital.? I bought my home in 2001 and there is only about 30% left to go on the mortgage.? I own two vehicles with no loans on them.? I have three grown children and five grandchildren ( four human and one dog that thinks she's human).?

I am looking to get a loan to clear off some credit card debt, and to do some repairs around the house.?

I am somewhat dismayed to see my Prosper rating as a "D".? I have a great credit score and no delinquent items at all.? I have paid off well over half of my home loan, and I have two sources of income that I don't have to work for.? I have my state retirement pension, and Social Security.? I also work two days a week because I wanted a part time job, not because it is necessary.

Since I'll be using the loan proceeds to clear off some credit cards, my Debt/Income Ratio should stay below 40%.

I set the initial rate pretty high to get some interest (no pun intended).? I hope the rate gets bid down, otherwise it won't make sense to take the loan with such a high APR.? If I don't get down below 25%, I might forget trying to consolidate the credit cards and just try for about $4,000 for the home repairs.? I would rather be paying interest to regular people than the huge banks, so we'll see if that works out.

I always take care of my obligations, which should be clear from my credit profile.?

My monthly take home pay is about $2100 combining my pension, social security income, and part-time job income. This is after taxes.

My monthly expenses including utilities, mortgage, insurance, and credit card payments total about $1600 per month.? This also includes my food, transportation, and all of my recurring expenses.

My credit card debt accounts for about $400 of that total.?

I usually have around $500 per month that doesn't go towards monthly bills.?

With this loan I should only increase my monthly payments by about $150, since I will eliminate the credit card debts.? I would rather be paying interest to regular people than to the gigantic banks, as long as it isn't costing me more that way.

Thanks again for your interest!?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,499.00 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: $248.75
 
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: Sep-1995 Debt/Income ratio: 42%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,370Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: thediplomat Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 55 ( 82% ) 660-679 (Latest)
Principal borrowed: $30,000.00< 31 days late: 8 ( 12% )  
680-699 (Dec-2007)
680-699 (Sep-2006)
680-699 (Aug-2006)
 
Principal balance: $2,439.69 31+ days late: 4 ( 6% )
Total payments billed: 67  
Description
Longtime Prosper Borrower
Purpose of loan:
This loan will be used to? debt consolidation.? I have an apartment building that I share with my brother and father.? We are looking to upgrade one of the apartments that we use for rental.? Most of the money we'll be used for the upgrade.?? I'll will also be taking a continuing Arabic class that will help me move to a higher pay grade at work.
My financial situation:
I am a good candidate for this loan because? I'm a 2 time prosper borrower paid and up-to date.? My first loan was paid off and my second loan is 5 payments from completion.? I will also be starting a part-time job vending beer at my local sports stadium for NBA/NHL games and concerts.? This will significantly boost my income as there are usually three games a week.? My employment is very steady as I have worked in construction management for a government agency for 12+ years with a 40+ hour week guarantee.? I have no housing cost as I live in a family owned apartment and no vehicle cost as my car is payed off.

Monthly net income: $ 4,100 after taxes (will rise with part time employment beginning?in late September)

Monthly expenses: $
??Housing: $ 0Insurance: $ 50
??Car expenses: $ 100 (gas)
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $100
??Credit cards and other loans: $ 2000 (will significantly decrease?after January as a monthly $550 prosper payment will be completed)
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472094
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,196Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: compassion-conqueror4 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New Business for my wife
Purpose of loan:
This loan will be used to? open my wife a hearing aid practice- she needs equipment. Her father was born deaf and she worked as a licensed dispenser 3 years ago but had to sit out a non-compete agreement. Now she would like to open her own practice in January.? I'd like to get this for her. She has a huge local following. When she left (because her employer was unethical) she had 3200 patients in the local area. She's be thrilled to go back to work again and help the hearing impaired.

My financial situation:
I am a good candidate for this loan because? My credit score is good, I make plenty of money (just don't have a bulk of cash up front) and I've had a Propser loan before and never defaulted- ever.

Monthly net income: $ 7000.00

Monthly expenses: $
??Housing: $ 1004
??Insurance: $ 78
??Car expenses: $ 1000
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
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: 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-2005 Debt/Income ratio: 30%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $700Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: skillful-funds0 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for a motorcycle
Purpose of loan:
This loan will be used to refinance an existing loan on my motorcycle

My financial situation:
I am a good candidate for this loan because i dont have alot of expenses.

Monthly net income: $ 1950
Monthly expenses: $ 620
??Housing: $ 150
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 70
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $?2500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472102
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,250.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.3%  
   
 
Starting lender yield: 6.85% Starting borrower rate/APR: 7.85% / 8.19% Starting monthly payment: $476.83
 
Auction yield range: 2.89% - 6.85% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Mar-1994 Debt/Income ratio: 10%
Credit score: 840-859 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,172Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: drenalin 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: 49 ( 100% ) 840-859 (Latest)
Principal borrowed: $32,000.00< 31 days late: 0 ( 0% )  
840-859 (Jun-2010)
780-799 (Jul-2008)
840-859 (May-2007)
 
Principal balance: $3,896.19 31+ days late: 0 ( 0% )
Total payments billed: 49  
Description
Debt Consolidation
Purpose of loan:
Debt Consolidation.? This would replace another prosper loan and the last part of second mortgage, the purpose is to reduce our monthly payments while still getting rid of these two loans in the short term.? The loans being replaced have interest rates of 6.875% and 8.19%.

My financial situation:
I have been employed regularly since 1999 and have a clean credit record.? My wife and I pride ourselves on paying bills on time and keeping up with our finances.? Our first prosper loan was for a kitchen renovation and is completely paid off, our second prosper loan was to help with debt consolidation.? We are still paying off overruns from our house/kitchen renovations a couple of years ago.? You can see from the records our revolving debt went up quite a bit since our first prosper loan, but is down to $0 now.? We have paid down all credit cards to $0 revolving balance now for 3 months.? Main financial goals currently are to increase our short term savings and continue to aggressively reduce our debt load.? We have achieved getting all of our current debt to loans that are under 8% (this is why I'm listing at under 8%).

Monthly net income: $ 6500

Monthly expenses: $
??Housing: $ 2600
??Insurance: $ 300
??Car expenses: $ 200 (gas and maintenance, car is fully owned)
??Utilities: $ 120 (gas/electric/water/garbage - we have solar)
??Phone, cable, internet: $ 130
??Food, entertainment: $ 600
??Clothing, household expenses $ 150
??Credit cards and other loans: $
???? prosper#2 - $314
???? family and friends loans - $1000
??Other expenses: $
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Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472162
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 31.00% / 34.63% Starting monthly payment: $193.51
 
Auction yield range: 16.89% - 29.00% Estimated loss impact: 19.99%  
Lender servicing fee: 1.00% Estimated return: 9.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1987 Debt/Income ratio: 33%
Credit score: 640-659 (Jul-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:17y 3m
Amount delinquent: $0 Total credit lines: 43 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,172Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: thoughtful-truth Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Please Help for College!!
Purpose of loan:
This loan will be used to? Help my son finish his schooling. My son and I will be splitting the payment on the loan so it will be very easy for us to make the payments. I really want to help him with this and his credit is not mature enough to get his own loan. I NEED HELP! My son is a Pharmacy Technician and I work for Social Services. I do not want to pay anymore creditors money so I am choosing Prosper because I am hoping that the person funding my loan will profit from this. If you have any questions about my financial situation or any worries that you are unsure of, please don't hesitate to ask.

Monthly net income: $ 40,000 between my son and I.
Information in the Description is not verified.