Listing Report:Supplement No. 38 dated Sep 09, 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 387506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $510.12
 
Auction yield range: 5.79% - 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: May-1994 Debt/Income ratio: Not calculated
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,560Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: Hobocans Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 92% ) 720-739 (Latest)
Principal borrowed: $18,000.00< 31 days late: 3 ( 8% )  
720-739 (Apr-2008)
760-779 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
HoboHookah: Growing with Prosper
The World's Most Portable Hookah Pipe is Growing Up

Thank you so much Prosper users! Because of you, we were able to make the first truly portable hookah happen, the HoboHookah.

A lot has changed in the 3 years since our last loan: We sold out of the original 1000 units of the HoboHookah, and did a slight redesign, got a new manufacturer and now have a store with a complete inventory of hookahs and hookah related products. We've already sold 2100 units of this new hookah, the HoboNargile.

But we do need your help again. After buying 3000 units of the new HoboNargile (which is now sold in the US, Canada, Brazil and UK), we need a larger production run and even more working capital to get our cost per unit down further to be attractive to more US and global distributors.

We are seeking a loan of $15,000 to help us cover part of the working capital for our next manufacturing cycle. We are turning to Prosper as we'd rather be paying you guys interest than some bank and lines of credit these days are not as competitive.

Top Line Income Statement for Online Retail Store:
Month::::::::Mar::Apr::May::Jun::July::Aug
Revenue::::3.1k::2.8k:3.9k::2.9k:3.1k::4.7k
COGS:::::::1.4k::1.3k:1.8k::1.3k:1.5k::2.1k
Gross::::::::1.7k::1.5k::2.1k:1.6k:1.6k::2.6k
Expenses::0.9k::0.9k::0.9k:0.9k:0.9k::0.3k
EBITA::::::::0.8k::0.6k::1.2k:0.7k:0.7k::2.3k

We had a great August due to a limited sale we ran, and the fact that it is back to school (our core demographic is College students). In addition, our expenses (including interest payments) decreased after we paid off the Prosper loan.

Aside from the Online Store, we also sell wholesale. Over the last year we have sold 300 units to Brazil, 250 units to the UK, 75 units to Canada and 550 units in the United States. We have purchase orders for another 1800 units in four regions, which will be fulfilled once we complete the manufacturing of the next 4000 units.

We have some big plans for the near future, including new colors (the current model comes in black), a new accessory, and custom bottles for the hookah. This year we have been covered by WNBC New York and Thrillist and will soon be featured by Swagapalooza and Fooding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454418
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 40.24% Starting monthly payment: $54.28
 
Auction yield range: 16.79% - 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: Aug-1997 Debt/Income ratio: 29%
Credit score: 620-639 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 9 / 7Length of status:6y 3m
Amount delinquent: $1,392 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,507Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: dawn1529 Borrower's state: Utah Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,600.00< 31 days late: 0 ( 0% )  
560-579 (Sep-2008)
580-599 (Jul-2007)
 
Principal balance: $0.06 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Pay off accounts to improve credit
Hi, and thanks for viewing my listing!

Purpose of loan:
I am trying to get back on my feet financially. I have a lot of extremely high interest rate loans. I am looking to consolidate these loans?through Prosper to cut down on the amount of interest fees that I pay.? I have previously gotten a loan through Prosper and it was so helpful, my loan has been paid on time every time for the year that I have had it.

My financial situation:
I currently work for a Marketing company, in the art department as a graphic artist. I have been there almost 6 years and I have several regular freelance clients that supply?additional income.

Monthly net income: $ 4000

Monthly expenses: $
Housing: $ 835
Insurance: $ 150
Car expenses: $ 310
Utilities: $ 150
Phone, cable, internet: $ 0
Food, entertainment: $ 350
Clothing, household expenses $ 50
Credit cards and other loans: $ 500
Other expenses:

I would use the Prosper Loan to pay off my high interest rate loans to help increase my credit score.

As you can see, I have over $1500 left over to be used, not only for my Prosper Payment, but for savings and emergencies so that I never get into this situation again. I can begin to live a normal life free from the stress caused by not being able to pay down my loans due to high interest rates.

I promise that my payments to Prosper will be my top priority each month. My Prosper payment will be withdrawn automatically each month from my personal checking account to ensure that my payment will be made on time, every time. I'm not about to make a mistake with this opportunity to start rebuilding my credit.

Thank you again for viewing my listing, and God bless.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 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: Jan-1999 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 21Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,754 
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: bold-priceless-currency 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off a store credit cards and my maternity bill. I've been a full-time marketing student for the past 4 years. My student loans will start kicking-in in Dec 2010. I want to get these out of the way so I can focus on my student loans.

My financial situation:
I am a good candidate for this loan because my husband has a steady job, which he has had for 7 years. Next year he receives a bonus that makes me able to pay this off pretty soon. I just started a full tine job at a clothing boutique, which will help with payments. I know that I'm HR for this loan
Our monthly bills include

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 680
??Insurance: $ 270
??Car expenses: $ 640
??Utilities: $ 240
??Phone, cable, internet: $ 180
??Food, entertainment: $ 580
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ 320
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 473884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.79% - 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-2004 Debt/Income ratio: 20%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:5y 10m
Amount delinquent: $95 Total credit lines: 13 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $521Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: compatible-p2p373 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
personal loan for other use
Purpose of loan: Starting a sideline business for?for extra income
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I have a good credit rating and i pay my bills on time.

Monthly net income: $ 2640

Monthly expenses: $
??Housing: $ 433
??Insurance: $
??Car expenses: $ 100
??Utilities: $160
??Phone, cable, internet: $170
??Food, entertainment: $250
??Clothing, household expenses $100
??Credit cards and other loans: $ 100?-$300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474114
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 16.89% Starting borrower rate/APR: 17.89% / 21.24% Starting monthly payment: $270.73
 
Auction yield range: 16.79% - 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-1996 Debt/Income ratio: 16%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: awesome-p2p1 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
New Roof/Remodel
Purpose of loan:
This loan will be used to put on a new roof and remodel the bathroom

My financial situation:20k base plus commission, I usually finish out at around 40k
I am a good candidate for this loan because I am a first time homeowner with a low mortgage payment of 549.00/mo (40k,[email protected]%). I have extra income each month to pay on a loan. I should replace the roof now as we're heading into the colder season. I have a 13 year credit history with no delinquencies and budget my accounts to be paid on-time.

Monthly net income: $2,000+commission

Monthly expenses: $1494
??Housing: $549.00
??Insurance: $rolled into housing
??Car expenses: $paid for, 200/mo gas/maintenance
??Utilities: $70
??Phone, cable, internet: $50
??Food, entertainment: $400
??Clothing, household expenses $150
??Credit cards and other loans: $75 (student loan)
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474130
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.79% - 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-1995 Debt/Income ratio: Not calculated
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 49 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,480Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: green-admirable-yield 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
Refi Inventory paid w/personal CC
Special Notes:

Income: My income can be documented with 1099 and tax returns as I am self employed and receive most of my monthly income from residual sources via 1099. As such this does not meet Propser's guidelines. I had a prior listing with documented income for $15,000 that funded in 12hrs and my Prosper rating was A. However, since I didn't have an acutal W2 and Paystub they forced me to redo the listing without verifiable income which is not true! I can verify my income with bank statments, 1099, and tax returns.

Current Credit: Since I had to relist my listing I used a personal credit card to pay for the inventory, which I did not want to do?since I knew it would tank my score. This is why my rating has dropped so much. My score from truecredit.com was 804 and from Myfico.com was 786 before maxing out one of my personal credit cards for $8,700 in expenses. As you can see from the Credit Profile I have zero late or negative info on my credit! ZERO! I also still have available credit so I am not high risk!

Purpose of loan:
My company will be featured on a national TV program to promote our diet product. We used a personal credit card to fund?some of the misc expenses, specifically inventory purchase, associated with the increased business we anticipate from the TV show. The increased sales from this appearance along with the increased brand awareness will be of tremendous benefit and will pay for the loan many times.The TV program will reach roughly 2million viewers I our target demographic thus maximizing our efforts. It also has the advantaged of implied endorsement and is not a commercial.

My financial situation: (see notes above)
I have a solid credit report and financial track record. I have multiple stable forms of income, including residual income and rental income, and that further bolsters my ability to repay. Furthermore, the loan payments will be paid primarily by the business which currently makes $6000+ plus per month with a profit margin of 37%, more than enough to repay the loan payments without even relying on my personal income.??

My monthly?pre-tax?income breakdown is as follows:
$3500 per month from my business, self elmployed
$4000 per month from residual income, 1099 and documented
$1200 per month rent from rental home, NET $400 per month
$600 per month tutoring income, side job to help those with learning difficulties

Expenses: (revised)
Housing: $1000
Car: $300
Misc Debt: $1000
Misc Mo: Expenses: $1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474732
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $157.04
 
Auction yield range: 13.79% - 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-1993 Debt/Income ratio: 24%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,089Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: funds-gargantuan 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
Preventing delinqency-paying bills
Purpose of loan
To pay outstanding credit card bills before they become delinquent

My financial situation:
I am a good candidate for this loan because?
I have brought my credit score up more than 200 points over the last?six years. I have no delinquencies for the past 10 years. For?approximately a nine month period I earned half of my usual earnings which have left outstanding balances but I have still managed to pay bills before they went delinquent. My earnings will be restored in a month and a half. I just need this loan to take care of outstanding bills because they are on the verge of becoming delinquent and this would damage my credit. I want to get back on track and this loan will help me be able to do. Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $616.41
 
Auction yield range: 10.79% - 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: Nov-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 20 / 18Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 30 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,346Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: nourishing-auction777 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
Loan for Business Use
Purpose of loan:
This loan will be used to buy new equipment for my business.

My financial situation:
I am a Self employed electrician/technician since 04/2002. We provide custom installs of audio/video systems in the entertainment, security and Home improvement industries.Our business is expanding as we need to buy another truck for service calls. Our growth has exceeded our expectations and we need to add another technician by next month.

Monthly net income: $ 5400

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 40
??Car expenses: $ 40
??Utilities: $ 67
??Phone, cable, internet: $43
??Food, entertainment: $ 190
??Clothing, household expenses $ 80
??Credit cards and other loans: $ 201
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.79% - 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-2004 Debt/Income ratio: 16%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 3 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: dollar-channel 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 a few bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $216.91
 
Auction yield range: 16.79% - 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: Jul-2006 Debt/Income ratio: 48%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 13 Occupation: Student - College J...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,390Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: economy-philosopher 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 Credit Cards from College
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474870
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1988 Debt/Income ratio: 31%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 9Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 31 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,293Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: feisty1 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 44 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
600-619 (Jul-2009)
560-579 (Dec-2007)
 
Principal balance: $1,078.79 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off credit cards

My financial situation:
I have had 2 loans through Prosper which have been more than appreciated.? All payments have been on time (or earlier) and my credit score has gone up significantly, which shows I am serious about paying my bills on time.??I would like to take out one last loan to consolidate remaining credit card debt.? Instead of scheduling numerous monthly payments with various payment due dates, having just ONE automatic payment would be quite the blessing!? With your help, I?could?possibly be relieved of those higher interest rates as well.??

I have a secure?union job with plenty of seniority and no threat of a layoff.? I work for a local municipality at?a senior level.? I have no dependents and?I get paid $1300.00 on a bi-weekly basis.??My monthly payments are as follows:

Monthly net income: $ $2600+

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 85
??Car expenses: $ 497 (w/only 7 payments to go)
??Utilities: $ 55
??Phone, cable, internet: $?175
??Food, entertainment: $?200
??Clothing, household expenses?
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474872
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.79% - 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: Aug-1993 Debt/Income ratio: 10%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 11 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,597Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: liberty-magma0 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off 2 Credit Cards
Purpose of loan:
This loan will be used to pay off my two credit cards, and eliminate the need to make multiple payments to pay down the debt.

My financial situation:
I am a good candidate for this loan because I've been employed solidly since I first left high school.? My debts always get paid,

Monthly net income: $ 2000-3000 depending on hours

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $ 0 - Truck is paid off?
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300-400
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $104.06
 
Auction yield range: 16.79% - 19.00% Estimated loss impact: 25.06%  
Lender servicing fee: 1.00% Estimated return: -6.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-1995 Debt/Income ratio: 59%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 2Length of status:18y 0m
Amount delinquent: $1,338 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,783Stated income:$1-$24,999
Delinquencies in last 7y: 2 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: R-IMAGES 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: 0 / 1 On-time: 29 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,700.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Believe in me AGAIN! 2nd prosper
Purpose of loan:
This loan will be used to pay off a high interest credit card (32%)?used for camera equipment and advertising.

My financial situation:
I am a good candidate for this loan because I was successful in paying off my?1st prosper loan ahead of schedule!?
I am dedicated to the success of my photography business and am proud to say that I have many repeat clients and have many jobs booked for the coming year.? When things are slow I continue to work by helping my friend with her house painting business and by?assisting other photographers.
Like so many other small businesses, my credit?rating has tanked because of the credit card companies slashing my available lines of credit and hiking up interest rates by switching the due dates making my payments late. My DQ's are from 2 credit cards that I am in a payment plan with, I pay these payments on-time and sometimes pay more than is needed....I do not want to close these accounts so, they show up as a DQ.
I?appreciate your bid and plan to pay this loan off ahead of schedule also.
Thanks so much!?

Monthly net income: $ 1,100

Monthly expenses: $
??Housing: $ 0 - my partner pays the mortgage and I pay?other bills
??Insurance: $ 60
??Car expenses: $ 0 - my car is payed off?
??Utilities: $ 120
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474888
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.50% Starting borrower rate/APR: 12.50% / 15.74% Starting monthly payment: $401.44
 
Auction yield range: 10.79% - 11.50% Estimated loss impact: 11.04%  
Lender servicing fee: 1.00% Estimated return: 0.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1998 Debt/Income ratio: 32%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,118Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: brightest-fearless-dinero Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to? Pay Off Credit Cards????

My financial situation:
I am a good candidate for this loan because? Never miss a payment, just want to get them payed off faster.

Monthly net income: $ 1800.00

Monthly expenses: $ 800.00
??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 474896
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.79% - 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-1983 Debt/Income ratio: 18%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,158Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: commerce-system4 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
buying RV to use traveling with job
Purpose of loan:
This loan will be used to?purchase an RV which I will use to stay in while travleing for my job.? I am a field geologist and stay in the field 90% of my?time.? I would like to stay in the RV instead of staying in hotels.?

My financial situation:
I am a good candidate for this loan because? I have a stable, reliable job and source of income.? I actually earn overtime compensation and earn more than my stated 61,404 annual income.? Last year I earned over $88,000 and I am pace this year to earn a similiar income.

Monthly net income: $ 3600
Monthly expenses: $
??Housing: $
??Insurance: $ 108
??Car expenses: $ Usually I am using a rental car while working for the company, so my?monthly car expenses are very low (around $40 month or lower).? My personal car is paid for.
??Utilities: $
??Phone, cable, internet: $ 104
??Food, entertainment: $ Paid for via per diem, but win not on perdiem typically about $400 month
??Clothing, household expenses $
??Credit cards and other loans: $ 431
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474900
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $557.45
 
Auction yield range: 10.79% - 19.00% Estimated loss impact: 11.25%  
Lender servicing fee: 1.00% Estimated return: 7.75%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1997 Debt/Income ratio: Not calculated
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 3Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,414Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: power-monster1 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Credit Card Debt
Purpose of loan:
This loan will be used to consolidate credit card debt.

My financial situation:

I have moved in with family in an effort to clear up my credit card debt at a faster rate. Since my monthly living expenses are $0, I can contribute my entire?net monthly income to paying off any loans offered.? My bills are always paid early and in full. Please feel free to ask me any questions about my situation.


Monthly net income: $ 2800

Monthly expenses: $?1000
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.79% - 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-1991 Debt/Income ratio: 18%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:14y 1m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $2,550Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: virtuous-truth0 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
Surviving divorce
Purpose of loan:
This loan will be used to?? Pay off attorneys and?a loan?

My financial situation:
I am a good candidate for this loan because? I can afford a $300 payment but not the almost $900 I am currently paying.? Once my divorce is final I will also be paying less child support.??

Monthly net income: $? 3,300?

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 130
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 900?
??Other expenses: $ Attorneys 600 ($500 is for Ex wife's?credit card debt)?Child support $1880
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $498.21
 
Auction yield range: 3.79% - 11.00% Estimated loss impact: 3.54%  
Lender servicing fee: 1.00% Estimated return: 7.46%  
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): 9 First credit line: Jul-1995 Debt/Income ratio: 16%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,938Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: orderly-return9 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
Debt free at last ; )
Hi,

I'd like to keep this simple.

I'm a professional animation artist and single-dad, living in the midwest Over the course of getting my son through high school, and remodeling our modest home a bit, I have accumulated a bit of debt I'd like to see vanish ; ) I'm not a habitual spender, nor do I splurge on frivolous items, but I'm learning to live with less in my life and I rather like it... so the idea of being totally debt free is rather appealing.

As you can see by my payment record, I make them and I'm never late. I would just like to get a better rate to pay down these credit cards for once and for all, and enjoy the feeling of finally cutting them up.

thank you for your interest,

Me
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% Starting borrower rate/APR: 17.79% / 23.50% Starting monthly payment: $36.05
 
Auction yield range: 16.79% - 16.79% Estimated loss impact: 19.22%  
Lender servicing fee: 1.00% Estimated return: -2.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1993 Debt/Income ratio: 30%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 5Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 35 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,199Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: majestic-dollar5 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
720-739 (Jan-2010)
 
Principal balance: $2,106.72 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Paying off credit card.
Purpose of loan:
This loan will be used to? pay off credit card. ???? ????

My financial situation:
I am a good candidate for this loan because? my on-time payments speaks for itself.

Monthly net income: $ 4200.00

Monthly expenses: $ 3500.00
??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 474944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1996 Debt/Income ratio: 3%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:8y 2m
Amount delinquent: $93 Total credit lines: 19 Occupation: Doctor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: Melrosian 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
new roof for winter
Purpose of loan:
A simple energy insulation project has revealed the need for a new roof on our 100 year old house before this winter. The loan money will go for a new roof.

My financial situation: I am employed as a physician at the same site for the last eight years. My wife and I have been steadily paying off student and other loans while raising 5 kids and our financial situation is improving now. My wife works full time as a nurse.
I am a good candidate for this loan because I have a reliable job and steady work in my community. I have access to extra funds through part time work and advisory work I do with another company.

Monthly net income: $ 9238

Monthly expenses: $
Housing: $1438
Insurance: $282
Car expenses: $930
Utilities: $390
Phone, cable, internet: $466
Food, entertainment: $780
Clothing, household expenses $827
Credit cards and other loans: $376
Other expenses: $134
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474946
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.79% - 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-1997 Debt/Income ratio: Not calculated
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:19y 8m
Amount delinquent: $0 Total credit lines: 10Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,964 
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: favorable-loyalty0 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
Home Improvement Loan
Purpose of loan:
To raise the roof on my home to add a 3rd unit to my house for rental.? The market rent for this unit will be 1,200.? The 1st and 2nd unit combined bring in 3500 a month.? The total cost of the project is 30k I am using my own cash for the remaining balance.

Prosper does not show I am a home owner but I can provide a copy of my deed.?

My financial situation:
I am a retiree living off my property income, pension and SSI.

Monthly net income: $

3,000

Monthly expenses: $
??Housing:0 $
??Insurance:0 $
??Car expenses:0 $
??Utilities: 0$
??Phone, cable, internet: $
??Food, entertainment: 150$
??Clothing, household expenses 100$
??Credit cards and other loans: 200-400$

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,250.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $339.02
 
Auction yield range: 10.79% - 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-1990 Debt/Income ratio: 19%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,154Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: a-tolerant-reward Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off loan from family member
Purpose of loan:
This loan will be used to? Paying off a loan to a family member, purchasing a laptop computer and tires for a vehicle.

My financial situation:
I am a good candidate for this loan because? I have always paid off debts in a timely fashion.? My wife's income will also assist in paying for this loan and her monthly net income is included in the monthly net income.

Monthly net income: $ 5124.00

Monthly expenses: $
??Housing: $ 992.00
??Insurance: $ 138.00
??Car expenses: $ 730.00
??Utilities: $ 175.00
??Phone, cable, internet: $ 225.00
??Food, entertainment: $ 450.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 613.00
??Other expenses: $ 250.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $312.13
 
Auction yield range: 16.79% - 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: Feb-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 20 / 18Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 60 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,135Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: Hollywood24 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: 1 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
700-719 (Oct-2009)
660-679 (Sep-2008)
680-699 (Apr-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Not HR look for yourself 2nd loan
I own a Cigar Lounge www.VillageSmoke.com. HR why because I'm self-employed? Read my stats above?Improved 20 points since last loan must be doing some thing right. I have AA Credit history and always make my payments and have never skipped a beat. My Credit score is just under 720 because I have?a lot of credit and use it. I own?4 rental properties which are all rented and have been for the past?6 years. I have over 150k equity in my homes even after the drop in the market but I can't refi because of my score.?(What happen to my score?) My 5.9% fix for life $22,000 high credit limit?card dropped down to $12,000 high limit after I made a large charge needed to fix the AC and?wiring one of my rental properties after being hit by lighting.?I was going to refi one of my properties to a lower rate and pay off the card?but since the card company dropped my high limit before I couldn't refi. I've paid this card down to $3500 balance to help raise my score but then they lowered my limit to $4000 on that card keeping maxed out and still unable to get loan needed?to refi. I will use loan to pay two of my high rate cards?off totaling $3800 (that I only opened because my 5.9% card said if I used the card again before I pay it off they would raise the rate to the default even though I pay over on time every month) so I will be using the other $3100 to payoff this card so?my credit will level out and go back up.?I?am willing to pay a higher interest than?I have with?my card because?my score being low?hurts me much more than the interest you will be making off me and?if this is the price I have to pay to get my good score back so I can refi?then it?s worth it to me in the long run. I need this loan now so I can pay off these cards and take advantage of the great rates?that?s why I don't mind paying?the higher interest than I would if I kept the balances on the cards.? Feel free to ask me any questions.? And thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $492.15
 
Auction yield range: 3.79% - 10.15% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1996 Debt/Income ratio: 9%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 43 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $143,475Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: enterprising-economy3 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
Real Estate with Owner Financing
Purpose of loan:
This loan will be used to purchase low end foreclosure houses that I then turn around and sell at a significantly higher margin.? After close, I then turn and sell the notes.

My financial situation:
I am a good candidate for this loan because I have a proven system that has worked and will continue to work in this market.? I also have a stable work history that will allow me to repay this loan without difficulty.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $112.17
 
Auction yield range: 13.79% - 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-1993 Debt/Income ratio: 23%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 7Length of status:13y 8m
Amount delinquent: $370 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,056Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: Cincygirl 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (Feb-2008)
 
Principal balance: $600.31 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Renovating the bathroom
Purpose of loan:? Now that the landscaping is done, we will pay off the $600 balance on our existing Prosper loan and start working on the bathroom!? We want to have it finished before Thanksgiving.?? We will replace the tile floor, put in a new toilet, vanity and medicine cabinet with new lighting.? We have priced out the supplies and are doing most of the labor ourselves.?? Finally...getting rid of the pink tile bathroom!!!


My financial situation:
I am a good candidate for this loan because I have no problem handling the payment. I have been in my position now for?almost 14 years and have a roommate that helps with the household finances. We are doing really well and feel it's time to get this bathroom project done.?

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 50
??Car expenses: $ 400
??Utilities: $ 250
??Phone, cable, internet: $ 85
??Food, entertainment: $ 180
??Clothing, household expenses $50
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $314.08
 
Auction yield range: 13.79% - 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: 47%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 22Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,634Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: Deshae0609 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2009)
620-639 (May-2008)
 
Principal balance: $1,074.07 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Bill Consolidation
Purpose of loan:
This loan will be used to? consolidate some credit card bills.

My financial situation:
I am a good candidate for this loan because?I've held a steady job 7 yrs. Pay my bills on time and striving to do better. Paying my last loan as agreed.?

Monthly net income: $ 3888.

Monthly expenses: $
??Housing: $ 391.
??Insurance: $ 89.
??Car expenses: $?100.00
??Utilities: $ 229.
??Phone, cable, internet: $ 250.
??Food, entertainment: $ 300.
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $ 500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474980
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 15.99% Starting borrower rate/APR: 16.99% / 20.32% Starting monthly payment: $178.24
 
Auction yield range: 10.79% - 15.99% Estimated loss impact: 10.17%  
Lender servicing fee: 1.00% Estimated return: 5.82%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1993 Debt/Income ratio: 3%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:24y 6m
Amount delinquent: $0 Total credit lines: 36 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,080Stated income:$100,000+
Delinquencies in last 7y: 30 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: investment-trail Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2009)
 
Principal balance: $1,899.69 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Buying a second car for family
Purpose of loan:
This loan will be used to?replace?our second car for the family.? I have $5K in savings and like to borrow another $5K so that I can buy a relaibale car in the $10K range.

My financial situation:
I am a good candidate for this loan because I have a steady government job fo rthe past 24 years as an executive with an annaul ?salary of $130K.

Monthly net income: $ 7800

Monthly expenses: $?6500
??Housing: $ 3800
??Insurance: $ 100
??Car expenses: $?300
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $?1000
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150
??Other expenses: $ 450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474992
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 Prosper Rating: 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: $369.85
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,249Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: Hmeonthelake Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Hello
?I recently attempted to obtain a loan through Prosper but did not receive enough bids to do so.?
? After receiving?some feed back I am going to try again.??
? Most of? what I have on revolving credit is due to necessary major dental surgery($10,000)?. This I had to place on two credit cards and that is what I am looking to pay off and why I seek this loan. Normally I do not use credit cards unless an emergency.??
I am self employed which I both enjoy and consider a plus. I create my own destiny and do not have to worry about being laid off as long as I do good quality work.. I have been self employed for over two years but have worked in the same field for many years. I have actually been self employed most of my life.
I do work on garden ponds and water fountains usually at private homes and stay?very busy. ?I do more than the customer ask me to do and almost all call me back when they need my help again.






Purpose of loan:
This loan will be used to? debt consolidation ( to improve financial picture)

My financial situation:
I know? I am a good risk for this loan.I have lived in the same home for about 10 years and in the same community for 30 years. I have verified checking account, I.D. and address with Prosper. All bills are paid online each month from my checking account and well before the due date.
I have zero delinquencies in the past 7 years and nothing negative on my credit report.
?I have had the same checking account and a saving account at the same bank for over 10 years. If for some reason I do not have funds to pay a bill in my checking account it will come from saving account. I have three autos and a boat all paid in full and I have the titles to each.
Last I would like to say that I know how important it is to repay this loan. People are here to?help ?others by ?loaning ?money. But they do so expecting to get repaid plus to make a profit.??So if you ?help me and I help you in return. Thank you!
Monthly net income: $? 4000 net

Monthly expenses: $ 2495
??Housing: $? 895
??Insurance: $ 300
??Car expenses: $ 200
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474998
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $314.08
 
Auction yield range: 13.79% - 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-1990 Debt/Income ratio: 8%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:21y 2m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 2/ 2 Revolving credit balance: $133,155Stated income:$100,000+
Delinquencies in last 7y: 5 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: revenue-mate0 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 medical expense.
Purpose of loan:
This loan will be used to pay off the remaining balance of my 8 year old daughter's unexpected medical expenses incurred this year.

My financial situation:
I am an excellent candidate for this loan because my wife and I are 100% committed to making these loan payments on time. We have both held professional employment for the past 21 years without interruption and find great satisfaction in working hard to earn success in our careers and provide for our family.?

Monthly net income: $ 15,000

Monthly expenses: $
??Housing: $ 5000
??Insurance: $ 150
??Car expenses: $ 1000
??Utilities: $ 600
??Phone, cable, internet: $ 200
??Food, entertainment: $ 1000
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1000
??Other expenses: $ 800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.7%  
   
 
Starting lender yield: 19.50% Starting borrower rate/APR: 20.50% / 24.30% Starting monthly payment: $56.13
 
Auction yield range: 7.79% - 19.50% Estimated loss impact: 9.15%  
Lender servicing fee: 1.00% Estimated return: 10.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1977 Debt/Income ratio: Not calculated
Credit score: 800-819 (Sep-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 2Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,757 
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: asset-heart 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
Need Money
Purpose of loan:
This loan will be used to pay for short term expenses.. getting a job soon to make payments...

My financial situation:
I have a very considerable amount of money of which i have no control over.. Should i have any problems paying this loan my parents will immediately intervene and pay it off to keep my credit from getting tarnished.

Monthly net income: $
none, student, applying for jobs right now
Monthly expenses: $
all expenses are paid by my parents, i just dont want them to know about me taking out a $1500 personal loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.79% - 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-1988 Debt/Income ratio: 32%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 14 / 13Length of status:11y 4m
Amount delinquent: $132 Total credit lines: 50 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,607Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: wise-payout-boomarang Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2009)
 
Principal balance: $1,556.21 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
One more precious life saved
Purpose of loan:
Consolidate debt.
My financial situation:
I am a good candidate for this loan because I take pride in paying off my debt.? My husband and I incurred some intense medical bills;?but?my husband has been in remission for over a year and our income is solid,?I would like to consolidate the expenses we incurred during his treatment.
Monthly net income: $? 6,938.00? (myself and spouse)

Monthly expenses: $
??Housing: $ 934.00
??Insurance: $ 105.
??Car expenses: $ 350.
??Utilities: $ 195.
??Phone, cable, internet: $ 254.
??Food, entertainment: $ 400.
??Clothing, household expenses $ 400.
??Credit cards and other loans: $ 2750.
??Other expenses: $ 500.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 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-1990 Debt/Income ratio: 66%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 32 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,119Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: triumphant-openness Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
720-739 (Nov-2009)
680-699 (Oct-2009)
 
Principal balance: $1,698.30 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
good credit score getting better
Purpose of loan:
This loan will be used to? I want to consolidate some debt.

My financial situation:
I am a good candidate for this loan because? I have always paid my bills and I am getting in better financial position with every month.? I just want to hurry and pay off a lot of the other debts I have so I can put a larger payment on one loan.? I hope to be debt free in 18 months.? My husband and I have been on a strict budget for over two years and it is paying off.? I have never defaulted on a loan and my credit score is getting better every month.? We had to do?some work on our central airconditioning unit this summer.? We just need to get?some help in paying that bill so we can stay on track paying off all of the other debt.? I used up almost all of our emergency money to pay for the repairs.? This loan payment will be automatically deducted from my checking acount.? Thank you for considering this loan.

Monthly net income: $ 3242.00?just me? 8260.00 with my husbands income included

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 230
??Car expenses: $?620
??Utilities: $?400
??Phone, cable, internet: $ 160
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 2500? we are on an aggressive pay off budget
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475018
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 27.48% Starting monthly payment: $156.93
 
Auction yield range: 16.79% - 23.00% Estimated loss impact: 25.32%  
Lender servicing fee: 1.00% Estimated return: -2.32%  
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): 2 First credit line: Aug-1982 Debt/Income ratio: 64%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 18Length of status:21y 3m
Amount delinquent: $0 Total credit lines: 31 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,338Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: lively-deal8 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to begin paying down credit card debt???

My financial situation:
I am a good candidate for this loan because??
I am eight years away from retiring from UPS -?combined annual income with my spouse is aprox. $120,000.? Just getting 2nd child through college and working on paying off alot of credit card debt accumulated over the years of raising three children.? I make all payments on time, we want to begin digging out and become completley debt free and are working hard to get these debts paid off and no longer be a slave to credit card payments.? HR status is most likely due to a medical dispute that we are currently trying to come to an agreement with the doctor over an outrageous charge - should be settled in the next few days.? We are very diligent with paying our bills on time.?
Monthly net income: $ 4,000 est. (not including spouse)

Monthly expenses: $
??Housing: $ 1790.00
??Insurance: $ 200.00
??Car expenses: $ 660.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,400.00 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% / 39.46% Starting monthly payment: $63.33
 
Auction yield range: 16.79% - 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: Sep-2009 Debt/Income ratio: Not calculated
Credit score: 620-639 (Aug-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 2 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $149Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: Knowledge_Is_Power Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
600-619 (Jul-2010)
640-659 (Jun-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
School money - Young, but not a HR
Purpose of loan:
This loan will be used to further fund my college education. If you have any questions, please ask.

My financial situation:
I am a good candidate for this loan because I have a steady job and I make (and save) more than enough money to make the minimum payment for this loan. I am assuming Prosper rates me as a high risk because I have a decent number of inquiries for credit in the last 6 months, but I also have NEVER had any late payments on anything, which I think matters more when it comes to showing that you will pay someone back. Also, as you can see from my Prosper credit history, my credit score has gone up since last month due to making payments on time. Once again if you have any questions, let me know. Thank you.

Monthly net income: $ 950

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 45
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 65
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.79% - 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: Dec-1997 Debt/Income ratio: 41%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:13y 0m
Amount delinquent: $0 Total credit lines: 26 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $58,253Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: listing-system Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? consolidate a couple of credit cards, so that I may continue on with my financial plan for the future. Being married with a child, the time has come to put a few plans into place to secure my family's well being.

My financial situation:
I am a good candidate for this loan because? I have a steady income since I work for my family's business. I always make payments (sometimes more than the minimum) on time and consider myself a very reliable person who makes sure his responsibilities are taken care of.

Monthly net income: $ 4400.00

Monthly expenses: $ 3630.00
??Housing: $ 1600.00
??Insurance: $ 110.00
??Car expenses: $ 400.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 220.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 700.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $259.99
 
Auction yield range: 13.79% - 14.00% Estimated loss impact: 14.80%  
Lender servicing fee: 1.00% Estimated return: -0.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1993 Debt/Income ratio: 39%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:15y 0m
Amount delinquent: $0 Total credit lines: 43 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,231Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: taz66669 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 100% ) 680-699 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
700-719 (May-2010)
660-679 (Dec-2009)
680-699 (May-2009)
680-699 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
buying new car for family
Purpose of loan:
This loan will be used to purchase my sons first car

My financial situation:
I am a good candidate for this loan because i already had a prosper loan which i payed of before it was expired

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 980
??Insurance: $?80
??Car expenses: $ 100
??Utilities: $ 250
??Phone, cable, internet: $ 80
??Food, entertainment: $?1000
??Clothing, household expenses $ 200
??Credit cards and other loans: $?500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475036
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.79% - 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: Nov-1999 Debt/Income ratio: 17%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 13 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,943Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: safe-wealth1 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 high interest credit card debt.

My financial situation:
I am a good candidate for this loan because I have very stable income to make the monthly payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 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-1997 Debt/Income ratio: 29%
Credit score: 620-639 (Aug-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:14y 1m
Amount delinquent: $2,029 Total credit lines: 38 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,944Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: lijjosunray Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 16 ( 100% ) 620-639 (Latest)
Principal borrowed: $10,500.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2008)
640-659 (Nov-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Pay Off Payday loans
Purpose of loan:
My last Prosper Loan request did not get funded. In the meantime, I had to borrow from Payday? Loans to fix my van. (close to 1000 dollars - rotors - both front and back + new brake pads)

My financial situation:
I am a good candidate for this loan because? I have a very stable job (16 years +) and I made a very decent income.? I have had 2 loans with PROSPER and I have paid them off both on time.?.

Monthly net income: $ 3791

Monthly expenses: $ 3618
??Housing: $ 1018
??Insurance: $ 360
??Car expenses: $500?
??Utilities: $ 150
??Phone, cable, internet: $ 90
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 900
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475064
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $291.65
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1999 Debt/Income ratio: 38%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,940Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: asset-swashbuckler1 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,300.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2009)
 
Principal balance: $1,748.23 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Getting Rid of Credit Cards
Purpose of loan:
This loan will be used to pay off some of my credit cards so i can get rid of them and get out of debt.

My financial situation:
I am a good candidate for this loan because i have a strong job history, i have been at the same company for over 3 years.? i have another loan with Prosper and have been on time every time and have even paid some additional towards the principal to pay off my loan faster.? i have more creditcard debt than i would like to have and want to get rid of it without the hassles of dealing with a bank and the high interest rates they charge.? i would rather pay interest to individuals that are looking to help others rather than to some greedy bank who only wants my money.

Monthly net income: $ 2750

Monthly expenses: $ 1200
??Housing: $ 570
??Insurance: $
??Car expenses: $
??Utilities: $ 75
??Phone, cable, internet: $ 60
??Food, entertainment: $ 120
??Clothing, household expenses $
??Credit cards and other loans: $ 375
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475072
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-2001 Debt/Income ratio: 4%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Biologist
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $359Stated income:$50,000-$74,999
Delinquencies in last 7y: 28 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: asset-sensor0 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
flooded basement
Purpose of loan:
This loan will be used to fix flooded basement
My financial situation:
I am a good candidate for this loan because I don't have any other loans or credit card debt?

Monthly net income: $4150

Monthly expenses: $2910
??Housing: $2300
??Insurance: $35
??Car expenses: $75
??Utilities: $50
??Phone, cable, internet: $25?
??Food, entertainment: $250
??Clothing, household expenses $75
??Credit cards and other loans: $0
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1976 Debt/Income ratio: 9%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 12Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:2y 0m
Amount delinquent: $132 Total credit lines: 19 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,320Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: ideal-penny9 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
Personal loan
Purpose of loan:
This loan will be used to?pay a medical bill and ccs.?

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

Monthly net income: $

Monthly expenses: $
??Housing: $ 1,300
??Insurance: $ 150
??Car expenses: $380
??Utilities: $ 200
??Phone, cable, internet: $175
??Food, entertainment: $ 650
??Clothing, household expenses $200
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475082
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1999 Debt/Income ratio: 19%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,182Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: peace-neutron Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement Loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 418397
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jul-1996 Debt/Income ratio: 29%
Credit score: 620-639 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,630Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: dwwild 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: 0 / 1 On-time: 14 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Jul-2009)
620-639 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
No More Credit Card interst Please!
Purpose of loan:
This loan will be used to?
debt consolidation, I'm looking to get out from under the high interest rates on my credit cards.

My financial situation:
I am a good candidate for this loan because?
I have a good job that I work full time as a Technical Support rep and I also work a 2nd job part time just for some extra cash. I just want to be able to pay off my cards as soon as possible so I can start saving more money to put aside as a down payment for a house. This is my 2nd loan with Prosper. My first Prosper loan was paid off about a year ago. I had filed bankruptcy over 6 years ago, but since then have kept all account in good standing.

Monthly net income: $ 2603 + an additional $600 from my 2nd job.

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 134.00
??Car expenses: $ 265.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 30.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 452075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.79% - 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: 27%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,098Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 103%  
   Homeownership: No  
Screen name: proper-deal9 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 car
This loan will be used to purchase a car since my old car died on me.

My financial situation is good in that Im living with family members so I dont have many monthly obligations.? I have a secure job and will pay this loan off within a year.

Monthly net income: $3100

Monthly expenses: $1240
??Housing: $0
??Insurance: $140
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $400
??Clothing, household expenses $0
??Credit cards and other loans: $600?
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472305
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 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-2003 Debt/Income ratio: 36%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:9y 9m
Amount delinquent: $20 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,749Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: the-attentive-duty Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Guaranteed Payback Loan
Purpose of loan:
The purpose of this loan is too get some roof seams patched up and coating done and also consolidate one high interest credit card that I am currently paying over $100 a month on but the balance is really NOT moving.

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

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $1175.00
??Insurance: $ 200.00
??Car expenses: $?500.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenes $
??Credit cards and other loans: $?200.00??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472771
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 23.72% Starting monthly payment: $36.15
 
Auction yield range: 16.79% - 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: Feb-1988 Debt/Income ratio: 22%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:2y 10m
Amount delinquent: $1,099 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $118,505Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: kimbo2008 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
740-759 (Apr-2008)
 
Principal balance: $238.50 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Honeymoon money
Purpose of loan:
This loan will be used to? pay for airfare for our honeymoon trip. Friends paid for our hotel room, but we just need to get there and don't have the money right?now to buy the airfare.

My financial situation:
I am a good candidate for this loan because? I already have an existing loan with Prosper and I have a perfect account. I have never been late.

Monthly net income: $ 5500.00
***Note: on my credit report shows a huge debt, but that is for a mortgage I am no longer on (the x husband got the house).? I am not responsible for that loan.? He is in the process of taking me off the loan.? Please don't let that be a hinder to giving me a loan.?
Monthly expenses: $
??Housing: $ 2000
??Insurance: $
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474399
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.79% - 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-1983 Debt/Income ratio: 4%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 7 Current / open credit lines: 2 / 2Length of status:3y 8m
Amount delinquent: $5,473 Total credit lines: 32 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 11 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: extraordinary-loot 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
Business Expansion Loan
Purpose of loan:
This loan will be used to expand my business.??I have a day job at a major defense contractor but I have been building a business for the past 3 years.? 2010 year to date sales $250K.? Another $95K sales on the books for shipment in 2010.? To this point, I have been totally self funding the business.? However, it would be very helpful to add one piece of equipment now to increase my profits.?

My financial situation:
I am a good candidate for this loan because of my income level.? (2009 income was $93K).? The reason that I am seeking a loan through Prosper is due to the fact that I am in year 4 of my?5 year Chapter 13 bankruptcy repayment plan.? I had to file for 13 CH in 2007 due to an excessive debt load caused by a gradual buildup of debt over 10 years coupled with?a few?employment gaps.? I have a very stable job and am proceeding well on my?way to completing the Ch 13 in?another 1 1/2 years.? I can easily repay the loan with my personal income alone.

This loan request is to fund my business expansion.?I?have a separate corporate structure?(necessary due to the bankruptcy) for my business that I have been developing over the past 3 years.??Sales for this year have been over $250K year to date.? I have been very careful to manage the cash flow and make the business self funding since?obtain a loan with my personal situation would be impossible through traditional sources.??The business has?good D&B ratings.??Several steps of the process are outsourced.? With the additional equipment, I could keep more of the work inside and make more money.? The equipment would pay for itseld in 3-4 months.?

Household Monthly net income: $ 7500 (after taxes and all withholdings - including spouse)
Household AGI in 2009 was $137K

Monthly expenses: $ 6000
??Housing: $ 2120
? Chapter 13 Payment:? $1000
??Insurance: $?250
??Car expenses: $ 400
??Utilities: $ 500
??Everything else:? $ 1730

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474751
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1997 Debt/Income ratio: 60%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 53 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,141Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: transparency-conga Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2009)
 
Principal balance: $5,955.34 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Make Life a Little Easier
Purpose of loan:
This loan will be used to?
Combine a few straggling personal loans out there...????
My financial situation:
I am a good candidate for this loan because?
I pay all my bills on time
Monthly net income: $ 1600????

Monthly expenses: $
??Housing: $ 0????Own my home????
??Insurance: $?0 husband pays from his income????
??Car expenses: $ 0
??Utilities: $ 0????Husband pays from his income
??Phone, cable, internet: $ 0?Husband pays from his income
??Food, entertainment: $ 0 Husband pays from his income????
??Clothing, household expenses $ 0 Husband pays from his income
??Credit cards and other loans: $ 1000.00????
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474801
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $510.12
 
Auction yield range: 5.79% - 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: May-1994 Debt/Income ratio: 13%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:25y 10m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,835Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: hhwc123 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 13 ( 100% ) 740-759 (Latest)
Principal borrowed: $13,600.00< 31 days late: 0 ( 0% )  
780-799 (Jun-2008)
760-779 (Mar-2008)
720-739 (Nov-2007)
680-699 (May-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
New Roof
Purpose of loan:
This loan will be used to replace the roof on my house and replace 6 windows

My financial situation:
I am a good candidate for this loan because I have taken 2 previous loans with prosper and paid them back with no late or missed payments. I have not been late on any payments for any loans I have had.?

Monthly net income: $ Base 7,690 + Bones $24,000 net annual

Monthly expenses: $ ? 5750 ???
??Housing: $? 2400
??Insurance: $ Included in mortgage
??Car expenses: $ 465.00
??Utilities: $ 575.00
??Phone, cable, internet: $ 365.00
??Food, entertainment: $ 1100.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 245.00
??Other expenses: $ 300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474813
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.90% Starting monthly payment: $59.64
 
Auction yield range: 16.79% - 24.00% Estimated loss impact: 25.38%  
Lender servicing fee: 1.00% Estimated return: -1.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1981 Debt/Income ratio: 55%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 20 / 16Length of status:3y 8m
Amount delinquent: $617 Total credit lines: 42 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,403Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: economy-apricot Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474835
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.79% - 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: Feb-2007 Debt/Income ratio: 7%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,937Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: natural-wealth0 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
Great Investment Property
Purpose of loan:
This loan is for rehab of a 3 Bedroom 1 Bath Shell in Germantown Philadelphia. Acquisition of the shell is 31K which I will be buying with cash. The rehab will cost 15K. The ARV will be 70K. The market rent for that block is 775.00. This is a great opportunity for flip or buy and hold.

Monthly net income: $
6k

Monthly expenses: $
??Housing: 1,100$
??Insurance: 0$
??Car expenses:0 $
??Utilities: 0$
??Phone, cable, internet: 75.00$
??Food, entertainment: 250.00$
??Clothing, household expenses 100.00$
??Credit cards and other loans: 400.00$

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474837
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.50% Starting borrower rate/APR: 19.50% / 22.88% Starting monthly payment: $553.64
 
Auction yield range: 10.79% - 18.50% Estimated loss impact: 11.24%  
Lender servicing fee: 1.00% Estimated return: 7.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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: Dec-1994 Debt/Income ratio: 25%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 27 / 25Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 55 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,672Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: intrepid-marketplace5 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 some credit cards
Purpose of loan:
This loan will be used to pay off some credit cards.

My financial situation:
I am a good candidate for this loan because I always pay my bills.

Monthly net income: $ 6000.00

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 474843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 16.90% Starting borrower rate/APR: 17.90% / 21.25% Starting monthly payment: $144.41
 
Auction yield range: 16.79% - 16.90% Estimated loss impact: 19.23%  
Lender servicing fee: 1.00% Estimated return: -2.33%  
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): 4 First credit line: Aug-1996 Debt/Income ratio: 35%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 25 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,099Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: Gemini846 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
600-619 (Apr-2008)
 
Principal balance: $782.86 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Good History - Desire a Better Rate
Purpose of loan:
This loan will be used to pay off one high rate (23%) line of credit I took out last year to pay income taxes, a small credit card I've been paying on for a while, and the balance of my existing prosper loan. I've been pleased by the community so far and appreciate the help.

My financial situation:
I am a good candidate for this loan because my wife and I have stable income (both over two years) and we are living way below our means. We do not have cable TV, we only have one used car loan and our rent payment is only 17% of our take home pay. In the last year we've paid off nearly $5,000 in debt. This loan will increase our cash flow so that we can pay it off faster.

Monthly net income: $ 4600 (together) I make $3100 of that.

Monthly expenses: $
Housing: $ 790
Insurance: $ 145
Car expenses: $ 325 (includes regular maintenance on our paid off car)
Utilities $120
Phone, cable, internet: $ 220
Food, entertainment: $ 300
Clothing, household expenses $ 200
Credit cards and other loans: $ 745 (This loan will account for $240 of these payments)
Other expenses: None currently.

Notes: I have FSA at work that covers medical expenses et. I work during the day, and my wife works nights so we don't have to pay for childcare. Thanks for bidding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 16.79% Starting borrower rate/APR: 17.79% / 21.14% Starting monthly payment: $108.14
 
Auction yield range: 16.79% - 16.79% Estimated loss impact: 19.22%  
Lender servicing fee: 1.00% Estimated return: -2.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1999 Debt/Income ratio: 25%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,116Stated income:$1-$24,999
Delinquencies in last 7y: 13 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: the-dedication-network 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
Buying a quality used car
Purpose of loan:
This loan will be used to?purchase a quality used car so that I can continue working at my job. I will also use my vehicle to continue teaching religious education classes at my church and to continue serving as the Director of the Youth Group. Last year, we were able to assist 50 single mothers and 100 children by traveling to various community service projects through our church. A quality reliable vehicle will allow me to continue this ministry.?

My financial situation:
I am a good candidate for this loan because?I have borrowed money before from friends and paid it back as promised. I would like to use this loan to show banks that I am working at rebuilding my credit. This occurred after an unexpected medical surgery 4 years ago due to a lack of health insurance. I have taken responsibility for my financial decisions and I have learned from my mistakes. I have been on a cash only basis for 4 years now and I have also taken credit counseling classes to learn how to handle my finances effectively.?

Monthly net income: $1000-1200

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 474867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 12.25% Starting borrower rate/APR: 13.25% / 15.40% Starting monthly payment: $152.17
 
Auction yield range: 5.79% - 12.25% Estimated loss impact: 6.15%  
Lender servicing fee: 1.00% Estimated return: 6.10%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1999 Debt/Income ratio: 6%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,821Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: elegant-reward9 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
Buying a new Car
Purpose of loan:
This loan will be used to pay for a new car. I am short on some cash

My financial situation:
I am a? good candidate for this loan because I will pay on time 110% guaranteed.? Please see my profile and you'll see I always pay on time and really need to get a new car soon. Renting a car is getting expensive now.

Thanks for the interest
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $542.13
 
Auction yield range: 10.79% - 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): 5 First credit line: Jan-1995 Debt/Income ratio: 24%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 12Length of status:6y 11m
Amount delinquent: $10,216 Total credit lines: 19 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,661Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: petie3000 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 720-739 (Latest)
Principal borrowed: $9,500.00< 31 days late: 0 ( 0% )  
740-759 (Jul-2008)
 
Principal balance: $3,746.76 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Patio done, onto pool!!!

Purpose of loan: This loan will be used to supplement the cost of installing a new pool. My first loan was to install a patio(wich was completed some time ago)? now I'm onto the pool.

My financial situation: I am a good candidate for this loan because most importantly, I have a perfect payment history with my first loan. I?am also?gainfully employed and do have available cash reserves as well.? There is also?a good surplus of cash availible at the end of each month. The only deliquincy I have was from 7 years ago?and it?is due to come off of my? credit report next month(oct 2010). That deliquiency has made it difficult to obtain personal loans from other more traditional sources. It has not hindered my ability to obtain mortgages or car loans or leases, but for some reason, the personal loan avenue has been somewhat difficult. Which is what brings me back here. I have been asked "why dont you just wait until the end of october when its off your report?" The answer is where I live in CT it may and will be too cold to start the project this year and take advantage of off-season pricing. I have a deal already worked out with the contractor and hopefully with this loans help I can get the project started right away!

Monthly net income: $ 11,500

Monthly expenses: $ 7,632
??Housing: $ 3,340
??Insurance: $ 210
??Car expenses: $ 1,457
??Utilities: $ 260
??Phone, cable, internet: $ 255
??Food, entertainment: $ 700-900
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 660
??Other expenses: $ 450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474885
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
 
Auction yield range: 16.79% - 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-1992 Debt/Income ratio: 9%
Credit score: 680-699 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 6 Current / open credit lines: 5 / 6Length of status:3y 9m
Amount delinquent: $23,752 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,583Stated income:$100,000+
Delinquencies in last 7y: 12 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: lifechange07 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 680-699 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Continuing to Pay Down Debt
Purpose of loan:
This loan will be used to continue to pay down debt, a process that was started with our first Prosper loan, which we recently paid off in a successful fashion. We take repayment to Prosper lenders very seriously -- you are real people, just like us, and we know the risk involved in loaning money to Prosper borrowers with HR ratings.? However, we will not let you down and, just as we did with our first loan, we will continue to make all monthly payments?via electronic?bank debit?to Prosper -- on time, as promised.

My financial situation:
I am a good candidate for this loan because, as mentioned above,?I recently completed payment on our first Prosper Loan, a $10,000 transaction that we paid on time, as promised... never late. Our monthly payment was $420.00, which is larger than the amount we would pay on our current listing should it be funded. As a result, investors can be confident we have the proposed monthly payment factored into our expenses, and, if we are funded, will continue to meet all our Prosper financial obligations via electronic debits, on time, as promised. Admittedly, our credit score is not perfect, but that was the result of problems we experienced prior to joining Prosper three years ago. Since then, our score has slowly but surely risen, and we'd like to see that trend continue -- something we feel we can accomplish through the frugal use of another Prosper loan.

Monthly net income: $ 8,600

Monthly expenses: $
??Housing: $4000.00
??Insurance: $450.00
??Car expenses: $245.00
??Utilities: $120.00
??Phone, cable, internet: $200.00
??Food, entertainment: $150.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $900.00 (this includes budgeting for our Prosper loan)
??Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-2001 Debt/Income ratio: 4%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 2 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: yield-showcase Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
getting married
Purpose of loan:
This loan will be used to?I am getting married, This is my second time getting married. My first wife cheated on me in my house and ended up leaving me with a pile of bills that she never ended up paying?for. ?

My financial situation:
I am a good candidate for this loan because?? I have been in the ratail enviroment for 7 years now and i make really good money, I have been working hard at my new job since i've started and actually worked my way up to manager within a month of starting, My company has been around for 14 years and thier not going anywhere. I really want to give my future wife the ring she really wanted.

Monthly net income: $ 2,500

Monthly expenses: $
??Housing: $ 750.00
??Insurance: $ 68.00
??Car expenses: $ 0.00 paid off
??Utilities: $?150.00
??Phone, cable, internet: $ free, where?I work provideds them
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 45.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474909
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-2008 Debt/Income ratio: 22%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 8 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,598Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: penny-dreams9 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
Debt Consolodation
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 474915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 32.59% Starting monthly payment: $92.19
 
Auction yield range: 10.79% - 28.00% Estimated loss impact: 11.50%  
Lender servicing fee: 1.00% Estimated return: 16.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1971 Debt/Income ratio: 25%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:15y 1m
Amount delinquent: $0 Total credit lines: 52 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $88,930Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: blue-community-course Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a used car
Purpose of loan:
This loan will be used to buy a used car.

My financial situation:
I am a good candidate for this loan because of my timely payments.

Monthly net income: $
$5000+
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 474937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.79% - 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: Jun-1999 Debt/Income ratio: 28%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,040Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: funds-whamo 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 credet cards
Purpose of loan:
Pay of Credit cards????

My financial situation:
Because I want to eliminate my debt and I have never been late or missed any payments

Monthly net income: $ 6700

Monthly expenses: $
??Housing: $1400
??Insurance: $ 50
??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 474951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.00% Starting borrower rate/APR: 14.00% / 17.27% Starting monthly payment: $341.78
 
Auction yield range: 10.79% - 13.00% Estimated loss impact: 11.08%  
Lender servicing fee: 1.00% Estimated return: 1.92%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 1Employment status:Self-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: $16,938Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: orange-attractive-transaction 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
coach coming back from injury...
Purpose of loan:
This loan will be used to consolidate credit cards from the past few years.
My financial situation:
I have slowly been building up business over the past 4 years as a self-employed squash teaching professional. Last year I injured my knee and had to have surgery, and was unable to work for two months during the peak of the season (squash season runs about November-April). Bills caught up with me and I missed a payment on a credit card, resulting in the raising of my rate. I would rather not declare bankrupcy.... as the season takes off I have excellent money making prospects for the next 6 months including 9,000 guaranteed income in addition to supplemental income from private lessons (which ranges from $100-$400/week). I can make the payments on the two cards, but I'd rather not be paying 20% interest.... so if someone wants to make some return on their investment... I'm your guy!

Monthly net income: $ 2,500-4,000

Monthly expenses: $
??Housing: $ 330
??Insurance: $ 65
??Car expenses: $ 120
??Utilities: $ incl in rent
??Phone, cable, internet: $ included in rent
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ currently 400

??Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.3%  
   
 
Starting lender yield: 4.00% Starting borrower rate/APR: 5.00% / 5.33% Starting monthly payment: $119.88
 
Auction yield range: 2.79% - 4.00% Estimated loss impact: 1.29%  
Lender servicing fee: 1.00% Estimated return: 2.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1985 Debt/Income ratio: 2%
Credit score: 860-879 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:17y 3m
Amount delinquent: $0 Total credit lines: 41 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,867Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: trumpeter5 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 860-879 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
860-879 (Jan-2010)
 
Principal balance: $818.26 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Funds to Invest - Guaranteed Return
Purpose of loan:
This loan will be used to? reinvest in other Prosper borrowers.

My financial situation:
I am a good candidate for this loan because?I have an exceptional credit rating, secure employment, good income and a strong belief in the benefits of Prosper.? You will not?go wrong by?funding this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.79% - 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-1999 Debt/Income ratio: 35%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 37 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,620Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: best-lucrative-truth Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay medical bills
Purpose of loan:
This loan will be used to pay off a medical bill.
My financial situation:
I am a good candidate for this loan because i work for a technology company that has military contracts and are currently giving around 5 hours of overtime per week. My track record proves all my loans get paid on time. My son lives with me and he pays most of the bills.( Rent, utilities, cable, food, insurance)
We currently rent an apartment.
Monthly net income: $ 1800

Monthly expenses:
??Housing: $ 300
??Insurance: $ ( son pays )
??Car expenses: $ 150
??Utilities: $ (son pays)
??Phone, cable, internet: $ (son pays)
??Food, entertainment: $ (son pays)
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $424.52
 
Auction yield range: 10.79% - 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): 7 First credit line: Jan-1984 Debt/Income ratio: 48%
Credit score: 760-779 (Aug-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:8y 0m
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
Retired Grandma Pay Off Credit Card
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. I was trying for a larger loan to also do some home repairs, but they didn't quite get funded. One got up to 97%, and another one to 83%, so I decided to leave off the home repair for now and try for the smaller loan.? Once I get the Prosper loan paid off I will have enough extra cash to do them without needing a loan. ?

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). Even if the APR winds up a bit higher than the cards, getting them all down to a single payment with no chance of fees will be worth it to me.? 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, food, or other expenses.?

With this loan I should have about the same monthly payments as I do now, 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 474971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $131.21
 
Auction yield range: 16.79% - 24.00% Estimated loss impact: 25.38%  
Lender servicing fee: 1.00% Estimated return: -1.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: May-1999 Debt/Income ratio: 47%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 9 / 8Length of status:4y 1m
Amount delinquent: $4,716 Total credit lines: 23 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,596Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: JennyTeacher Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 58 ( 97% ) 660-679 (Latest)
Principal borrowed: $13,200.00< 31 days late: 2 ( 3% )  
660-679 (Jun-2008)
660-679 (Jun-2007)
 
Principal balance: $1,629.89 31+ days late: 0 ( 0% )
Total payments billed: 60  
Description
PROSPER #3: Never Missed A Payment!
Another PROSPER success story returns!

If successfully funded, this will be our third PROSPER loan! We are proud to say that we have NEVER missed a PROSPER payment (60+ payments and going strong)! Thank you for helping to make this happen!

To begin, we appreciate you taking the time to consider funding our loan. Please make note of the fact that the financial information included in this request does not tell the full story. My husband and I are both fulltime teachers, and therefore our income listed should reflect double what is reported below.

Our first PROSPER loan was in the amount of $8,800 + interest ($350 a month). We successfully paid it off (on time) without missing a payment! Our second PROSPER loan was considerably less, in the amount of $4,400 + interest ($160 a month). That loan is scheduled to be fully paid in July, and we only owe about $1,600 on it!

We owe our PROSPER success to kind individuals like YOU who never gave up on the PROSPER way!

Here is our story?

Like many young couple, after getting married 9 years ago we made some foolish decisions with our finances. Before we knew it, after several years we found ourselves up to our necks (and sometimes deeper) in monthly bills.

Then, an extended maternity leave and overwhelming hospital bills hit us right between the eyes after the birth of our son. That hurt us financially, and for the first time in our lives, we started getting behind.

Some of those bruises still reflect on my credit report today.

Like many of you, when the recession hit, things went from bad to worse. We wanted to WORK our way out of debt, NOT make excuses or cut corners!

That?s where the PROSPER FAMILY came in?

So, we made a plan:

1- We made a pledge to WORK our way out of debt?NO EXCUSES?NO SHORTCUTS?NO CUTTING CORNERS! We would pay down our debt no matter how long it took.

2- We made several changes to our expenditures. We had to give things up and reprioritize.

3- We started ?Understudy,? a side venture (in addition to teaching) to help generate additional income.

4- We began paying down our debts, slowly at first, but moving a little more quickly now!

5- We made a pledge to never indebt ourselves to another traditional bank again (barring car or house). We also pledged to never accept another credit card offer.

So far, our plan has worked. It hasn?t always been easy, but we are making it happen!

Again, we have NEVER missed a PROSPER payment in 60+ payment terms!

The purpose of this loan ($3,300) is to CONTINUE the trend we?ve been successful with to this point.

THANK YOU?we?ve never let you down! We?ve maintained YOUR trust and YOUR confidence for the past 3+ years!

We appreciate you and your willingness to join us in this journey.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474985
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.85% Starting borrower rate/APR: 21.85% / 27.70% Starting monthly payment: $38.11
 
Auction yield range: 10.79% - 20.85% Estimated loss impact: 11.30%  
Lender servicing fee: 1.00% Estimated return: 9.55%  
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): 6 First credit line: Apr-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $45,685Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: dime-futurist Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Credit Card Debt
Purpose of loan:
This loan will be used to consolidate?a credit card that is at a higher min. payment and pay off a personal loan.

My financial situation:
I am a good candidate for this loan because I have my own information technology business (carfinder1.com) that is over 4 years old. My IT business consists of doing internal office IT (working on servers, printers and backup drives), Web Database Project Management and Web Design for a small but awesome group of clientele. I live at my parents house for the time being. I am lucky to have no rent, and car pool to work.

What I'm trying to do:
Credit card companies are?raising rates out of the blue, so I am trying to get?ahead by getting a Prosper loan to help lower my debt?cost. ? I'm hopeing you will think I'm such a low risk you will bid this loan down for me while still making a nice return!

Monthly net income: $ 3600

Monthly expenses: $ 1650 (approx.)
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $ 150 (Regular maintenance, gas, etc)
??Phone, cable, internet: $ 200 ( I have a blackberry with a lot of minutes and unlimited data, need it for my job)?
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 900
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475003
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.79% - 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-1995 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 4 / 3Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 36 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,521Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: versatile-listing1 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
Lease buyout of parents Prius
Parents leased a 2007 Toyota Prius and I have been making the payments. I had to file for bankruptcy almost 4 year ago and I have been rebuilding my credit since then. No late payments or negative marks since then. I just finished the Chapter 13 payments(the last three years) and the case has been discharged. The lease is coming due this month and the car is a steal at $11,000.It only has 40,000 miles and it is in perfect condition. I have saved some money and with your help could buy this car outright. Its blue book is over $15,000 and it saves me a ton of money in gas.I am employed and making over $4200 a month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Oct-1998 Debt/Income ratio: 37%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 10Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,256Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: enthusiastic-currency8 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 some of my credit cards

My financial situation:
I am a good candidate for this loan because? i pay all my bills on time. i haven't missed a payment in years

Monthly net income: $ 3120.00

Monthly expenses: $
??Housing: $ 1500.00
??Insurance: $ 0
??Car expenses: $ 511.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 0.00
??Clothing, household expenses $
??Credit cards and other loans: $ 600.00
??Other expenses: $ None

I am married and share all my household expenses with my wife who is also employed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475027
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% - 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: Sep-2007 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 5 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,959Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: the-brainy-capital 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
getting back on my feet
Purpose of loan:
This loan will be used to pay down some bills to help get me back on my feet. I had a rough couple of months and I just want a fresh start. I work very hard to pay my bills on time. It is very easy to fall behind and very hard to catch up. Please help me so I can do that.

My financial situation:
It is very hard to get help in a financial situation, when considering my income is unreliable and hard to determine. I assure you I do not intend to default because this could be a potential option in any future help I may need.

Monthly net income: $ 2000+

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 70
??Car expenses: $ 400
??Utilities: $ 80
??Phone, cable, internet: $ 50
??Food, entertainment: $ 0
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 50
??Other expenses: $ 60
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 15.00% Starting borrower rate/APR: 16.00% / 21.65% Starting monthly payment: $35.16
 
Auction yield range: 13.79% - 15.00% Estimated loss impact: 14.85%  
Lender servicing fee: 1.00% Estimated return: 0.15%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-2004 Debt/Income ratio: Not calculated
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,591Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: witty-ore1 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
Interest guaranteed loan
Purpose of loan:
This loan will be used to?invest in my business venture.This loan will truly help my business grow to its full potential. I will use this cash to cover the cost of advertising and business related products and services. With the profit from my business and my current income,YOUR INTERESTS IS GUARANTEED.?

My financial situation:
I am a good candidate for this loan because? I have a solid and strategic business plan. I am trustworthy and very honest.I do onto others as I would like them to do onto myself. Please understand that I will pay you back including interests incurred.Your profit means as much to me as my own. Please email me with any questions or concerns.

Monthly net income: $ 25,000-40,00 plus supplemental income

Monthly expenses: $800
??Housing: 300
??Insurance: $ 70
??Car expenses: $ 100
??Utilities: $ 50.00
??Phone, cable, internet: $ 30.00
??Food, entertainment: $ 150
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 60
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.79% - 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: Dec-1987 Debt/Income ratio: 54%
Credit score: 740-759 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:27y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,987Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: purdueuniv27 Borrower's state: Indiana 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
Debt consolidation loan
Purpose of loan:
There are two bills I would like to pay off and only have one payment for them:? Master Card of $250 p/m and a Furniture payment of $100 p/m, combining these two bills will save month monthly and lower my overall interest paid since it will be paid off in three years.

My financial situation:
I am a good candidate for this loan because I have worked at Purdue for?27 years.? My income and position within the Department of Horticulture is secure.? I am the Administrative Assistant to the Dean of Horticulture?and International Liaison coordinating the arrival of new graduate students.

Monthly net income: $2366
Monthly expenses: $2037??
Housing: $ 1250?
Insurance: $ 40?
Car expenses: $?*(below)?
Utilities: $ 200?
Phone, cable, internet: $ 95?
Food, entertainment: $ *(below)??
Clothing, household expenses $ 50?
Credit cards and other loans: $ 302?
Other expenses: $ 100

*I have been married?for 37 years, my husband also works at Purdue and has a net monthly income of.? The car, food and entertainment expenses?are paid for out of his income so I did not list those expenses.? I listed the expenses I pay for out of my income.? Our car?($535.61 p/m) will be paid off in two months and we plan on keeping the vehicle.

Please let me know if you have any questions, thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.79% Starting borrower rate/APR: 11.79% / 15.02% Starting monthly payment: $496.71
 
Auction yield range: 10.79% - 10.79% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 47 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,738Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: best-proper-wealth 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
"Great Investment"
Purpose of loan:
This loan will be used to? investment

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

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 500
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475049
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: May-1995 Debt/Income ratio: 40%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 10 / 6Length of status:10y 4m
Amount delinquent: $917 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $244Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: best-compassion-clipper 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
Windows and Painting
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 475067
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $596.40
 
Auction yield range: 10.79% - 24.00% Estimated loss impact: 11.39%  
Lender servicing fee: 1.00% Estimated return: 12.61%  
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: May-2004 Debt/Income ratio: 26%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 32 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,472Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: direct-velocity946 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
new home going green&solar
Purpose of loan:
This loan will be used to??make home improvements, going to go green and solar to capture all tax benefits and improving on utilities and of course better for enviroment and all.

Financial situation:
I am a good candidate for this loan because?I keep all my bills and debts in order. Not sure how this site calculates"open accounts/credit lines because I have ;a mortgage, Car loan, personal loan, one bank line of credit and 7 credit cards.
Most of my debt was acquired post divorce agreement and the recent purchase of my new home last July.

Monthly net income: $
3800$
Monthly expenses: $?

??Housing: $884
??Insurances: $ 150
??Car expenses: $ 150
??Utilities: $ 180-325
??Phone, cable, internet: $ 180.00
??Food, entertainment: $ 200 or $300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1050
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475073
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,750.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 11.50% Starting borrower rate/APR: 12.50% / 14.64% Starting monthly payment: $259.27
 
Auction yield range: 5.79% - 11.50% Estimated loss impact: 6.14%  
Lender servicing fee: 1.00% Estimated return: 5.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1996 Debt/Income ratio: 16%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 34 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,671Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: upright-auction8 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
Reducing debt!
Purpose of loan:
This loan will be used to? Consolidate my credit cards at a lower rate.

My financial situation:
I am a good candidate for this loan because? I pay my bills and have always paid my bills in a timely manner.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $166.07
 
Auction yield range: 10.79% - 11.00% Estimated loss impact: 11.03%  
Lender servicing fee: 1.00% Estimated return: -0.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-2002 Debt/Income ratio: 20%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 9Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 24 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,413Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: auction-wildcat3 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying my law school credit cards
Purpose of loan:
This loan will be used to pay off credit cards that I opened during college and law school.? I am currently struggling with student loans and credit card debt and just want to be able to reach a point where I am a bit more financially stable and can start saving for the future.? The interest rates on the credit cards are too high so I am looking for a way to consolidate the debt and pay it off faster.

My financial situation:
I am a good candidate for this loan because I am in a stable job with the federal government and always make timely payments.? I will be able to make larger payments in November 2010 when I receive a raise.? I am very responsible when it comes to making my payments and I have never missed a payment in my history of having credit.? I have struggled only with the amounts and rising interest rates after going to graduate school and using the cards to assist in financing my education (books, supplies, etc).? I feel that at this point, my payments only put a small dent in the interest but I want to cut down on the principal that I owe.

Monthly net income: $ 3,016

Monthly expenses: $
??Housing: $ 1635
??Insurance: $
??Car expenses: $ 60
??Utilities: $ 120
??Phone, cable, internet: $ 130
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475085
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.79% - 14.15% Estimated loss impact: 6.19%  
Lender servicing fee: 1.00% Estimated return: 7.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1996 Debt/Income ratio: 19%
Credit score: 800-819 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 49 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,359Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: wampum-pillow Borrower's state: Wyoming Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buy hose in Florida
Purpose of loan:
This loan will be used to? Buy house in Florida

My financial situation:
I am a good candidate for this loan because? I can and will? pay

Monthly net income: $ 8000

Monthly expenses: $
??Housing: $ 1936
??Insurance: $ 100
??Car expenses: $ 740
??Utilities: $ 300
??Phone, cable, internet: $ 60
??Food, entertainment: $ 300
??Clothing, household expenses $?60??Credit cards and other loans: $ 600
??Other expenses: $ NA
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475091
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.79% - 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: Mar-1991 Debt/Income ratio: >1000%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:12y 6m
Amount delinquent: $0 Total credit lines: 30 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,954Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: delicious-revenue2 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
Home Improvement/Repairs
Purpose of loan:
This loan will be used for much needed home improvement repairs, construction and upgrades.

My financial situation:
I am a good candidate for this loan because I have a steady income with a stable company and being in the Finance business I know the importance of making payments to bills and loans on a time. Willing to pay off loan early at year end as well.

Monthly net income: $ 20,000.00 (a portion of gross income is paid at year end bonus)

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 475097
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $282.56
 
Auction yield range: 13.79% - 20.00% Estimated loss impact: 15.09%  
Lender servicing fee: 1.00% Estimated return: 4.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1987 Debt/Income ratio: 20%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:23y 7m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $26,144Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: trade-firestarter Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Debt and fix roof leak
Purpose of loan:
This loan will be used to to pay off some of my high credit card balance and?? finance? a repair to my roof.

My financial situation:
I am a good candidate for this loan because I am employed and I pay all my bills on time.?

Monthly net income: $ 3000 ????

Monthly expenses: $

Housing: $ 1200
??Insurance: $ 60 ????
??Car expenses: $ 80 ????
??Utilities: $ 250 ???? ????
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 50 ????
??Credit cards and other loans: $ 700
??Other expenses: $ 50 ????
Information in the Description is not verified.