Listing Report:Supplement No. 48 dated Sep 21, 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 462592
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 7.34% Starting monthly payment: $92.63
 
Auction yield range: 2.79% - 6.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 4.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Dec-1999 Debt/Income ratio: 4%
Credit score: 860-879 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 14 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,222Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: Uylsses 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
Perfect credit, buying furniture
Purpose of loan: Hi, I am looking for a small loan to help with cover some furniture expenses, while I have other money tied into investments. My interest rate on my credit card is @11% so I came to prosper.com to get a better rate.

My financial situation: My credit is impeccable, I own a homeowner and have a stable job.

Thank you for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474818
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.79% - 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-1997 Debt/Income ratio: 36%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 13Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 53 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,367Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: agrahlma 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: 33 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,400.00< 31 days late: 0 ( 0% )  
600-619 (Nov-2009)
600-619 (Sep-2009)
600-619 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
High Risk??? I don't think so!!!!
Purpose of loan:
I will use this loan to pay down my revolving debt - which will raise my credit score tremendously!!!? This will allow me to refinance some of my other debt at much lower rates (e.g. car loans).

My low credit score is a result of high debt load only - I have NEVER been delinquent or defaulted since I established credit over 20 years ago.?

My financial situation:
I'm a good candidate for several reasons:
I've never been late or defaulted on a payment in my life (20 years of credit history) My employment and employer are VERY stable - 15 years at Ford Motor Company - Manager My wife's employment is VERY stable? - 11 years as a Spanish and English teacher (same school) My credit score has gone ~10 pts since Prosper pulled my credit report last week (up 50 pts. since May) Paid-off two previous Prosper loans early (all payments made on time) I've closed almost all of my credit cards - only three remain open (4,600 credit line, 2,300 owed) - the closed account balance represent the majority of my revolving debtYou'll make a BOAT LOAD of money off of this loanI?will NOT?default on this loan?- I am NOT high riskAnnual?net income: $ 150K


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475914
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 13.79% Starting borrower rate/APR: 14.79% / 18.08% Starting monthly payment: $207.38
 
Auction yield range: 13.79% - 13.79% Estimated loss impact: 14.79%  
Lender servicing fee: 1.00% Estimated return: -1.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-2007 Debt/Income ratio: 9%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 10Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 8 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,248Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: durability-eclipse8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used to purchase a car for my wife

My financial situation:
I am a good candidate for this loan because
>I have a full time job with good pay
>I was never late to pay off bills,
>Have Good credit score
>The main reason for applying is just to improve the credit score by taking a first loan. Otherwise I would have just paid in cash.

Monthly net income: $ 7083

Monthly expenses: $ 2000
??Housing: $ 1000
??Insurance: $ 200
??Car expenses: $ 300
??Utilities: $ 50
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $50
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 10.79% Starting borrower rate/APR: 11.79% / 15.02% Starting monthly payment: $66.23
 
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): 5 First credit line: Nov-1998 Debt/Income ratio: Not calculated
Credit score: 820-839 (Sep-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,594Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: interloode 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
Reinvesting in Prosper
First I would like to say that the D Prosper Rating is due to the fact that I chose not to have Prosper call my employer to verify my employment.? I'm a private person and would rather my work/manager not knowing my personal business.? I've been working with a large wall street firm for the last 4.5 years making good money, and have held a steady job for the past 8 years since college.? I can easily payoff this small $2000 loan with my savings.

The purpose of this loan is 2 fold.? First is to revinest in the Prosper community and help fund people who deserve the credit.? Second, I would like to build my own "prosper credit", having no borrowing history at prosper I know borrowers may be reluctant to bid down my rate.? I personally prefer to bid on loans with 12 to 24 months of consistent payment history, so I would like to achieve that history with this loan.

I currently already have a small portfolio of about $1000 with another $1000 in cash that I'm ready to deploy back into Prosper, and I would like to slowly raise more cash through prosper to keep the cycle going.?? I actually owned a much larger portfolio in Prosper last year, but was rattled and sold off majority of the loans as a result of suffering one large default loan.? But these remaining loans I still own are now almost 1 year seasoned and that remain the only default that I've experience, so I'm gaining my trust back and I think I've found the right loans to invest in.

*** my fico score should demonstrate my ability to repay this small loan (over 820)
*** I've never missed any payment of any sort in my life (rent, mortgage, credit card)
*** I pay off my credit cards every month.? That $6,594 revolving credit shown above has since been paid off, and last year happened to be a high expense month, it's usually not that high

I want to assure you that this is the ideal loan you want on Prosper, having a cashflowing account within Prosper itself.? It's the safest investment you'll make here.? And in return, hopefully the Prosper community will help bid down my rate.? But if that doesn't happen it's ok, this loan should help me attain better rates in my future Prosper loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 16.79% Starting borrower rate/APR: 17.79% / 21.14% Starting monthly payment: $270.35
 
Auction yield range: 16.79% - 16.79% Estimated loss impact: 24.92%  
Lender servicing fee: 1.00% Estimated return: -8.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Feb-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 6 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $300Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: abundant-exchange 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
seasonal Inventory for my business
Purpose of loan:
This loan will be used to?buy inventory for my electronics wholesale business...
New Apple electronics products,laptops for the holidays,video games for the holidays.

My financial situation:
I am a good candidate for this loan because?I have had years of experience in the
Electronics field plus a Degree in Electronics Technology computer hardware.
I have very little debt.?

Monthly net income: $ 5,427

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 476244
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $162.69
 
Auction yield range: 16.79% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-1998 Debt/Income ratio: 25%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:8y 9m
Amount delinquent: $42,909 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,685Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: mntndue 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: 34 ( 97% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 1 ( 3% )  
660-679 (Sep-2007)
 
Principal balance: $238.64 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Auto Loan- Perfect Pay Prosp Loan
Purpose of loan:
I need to purchase my wife a reliable vehicle.? Her vehicle has over 130,000 miles now and is starting to have problems.??We have $3500 for?down payment and trade and are?looking for a?car that she can drive?for a long time.?
My financial situation:
I am a good candidate for this loan because I?am currently paying off a prosper loan that?was paid on time.? My credit?is currently?damaged due to a home loan that we could not afford and fell behind.? We currently?have a contract for short sale that we are?waiting for approval from the bank but have moved?from the property and are currently renting.??All credit cards and other loans have been paid off?other than the mortgage.??

Monthly net income: $ 4000

Monthly expenses: $?3025
??Housing: $ 1100
??Insurance: $?200
??Car expenses: $?250
??Utilities: $?175
??Phone, cable, internet: $ 100?
??Food, entertainment: $ 600
??Clothing, household expenses $?150?
??Credit cards and other loans: $ 400
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476248
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,700.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $188.74
 
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): 7 First credit line: Jun-1998 Debt/Income ratio: 4%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 0 / 0Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 1/ 3 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Christine0721 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,100.00< 31 days late: 0 ( 0% )  
600-619 (Aug-2009)
600-619 (Jul-2009)
560-579 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Helping daughter with school
Purpose of loan:
This loan will be used to? Helping my daughter with school

My financial situation:
I am a good candidate for this loan because? I have had two previous prosper loans and have never been late.

Monthly net income: $ 5698.74

Monthly expenses: $
??Housing: $ 827
??Insurance: $ 235
??Car expenses: $ 214.55
??Utilities: $ 300
??Phone, cable, internet: $ 140
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476274
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.7%  
   
 
Starting lender yield: 26.12% Starting borrower rate/APR: 27.12% / 30.66% Starting monthly payment: $613.34
 
Auction yield range: 7.79% - 26.12% Estimated loss impact: 9.33%  
Lender servicing fee: 1.00% Estimated return: 16.79%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1992 Debt/Income ratio: 22%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:21y 9m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: investment-cypress 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
300character
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 476286
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 32.10% Starting monthly payment: $53.42
 
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: Jun-1999 Debt/Income ratio: 16%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,395Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: worlds-best-community 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 debts
Purpose of loan:
This loan will be used for home improvements.

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

Monthly net income: $ 3800

Monthly expenses: $
??Housing: $ 1236 paid by tennants " I live in a triplex"
??Insurance: $ 80
??Car expenses: $ 460
??Utilities: $ paid by tennants 300.00
??Phone, cable, internet: $ 42
??Food, entertainment: $ 200
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 130.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476310
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $115.06
 
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: Mar-2003 Debt/Income ratio: 15%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,364Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: unique-value 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
Just Trying To Keep My Children
Purpose of loan: This loan will be used as an emergency loan to help with a pending divorce and child custody legal fees.? I am the custodial parent of two children, 6 years old and 22 months.? With your help, this will?be the jump start?in ensuring that the two of them are taken care of for any emergencies that may arise during the pending process.? Additionally, it would also help keep me on track financially.? This will allow me to?continue paying down?student loans?in a timely fashion?without becoming a delinquent borrower.? Also, I'm trying to develop a better credit score which will benefit my family overall in the long run.? I am looking for an unsecured personal loan in the amount of $2800.00 with a term of 36 months or less.? Your?assistance in this matter would be greatly appreciated.

My financial situation:? I am a good candidate for this loan because I have been working full time for the same company for the past six years and seven months.? Having worked for the same employer for close to seven years has helped?allow me the ability to pay bills on time on a monthly?basis and keep any bills I have had from being delinquent for?close to seven?years now.? I'm really hoping that should I be approved for this loan that it help towards bettering my credit score by paying it off sooner than the 36 month period.? Again, your help with my current emergent situation would be greatly appreciated.

Monthly net income: $ 4600

Monthly expenses: $ 4070
??Housing: $ 1330
??Insurance: $ 100
??Car expenses: $ 110
??Utilities: $ 90
??Phone, cable, internet: $ 150
??Food, entertainment: $ 140
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 1500
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476328
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $164.38
 
Auction yield range: 10.79% - 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: Dec-1999 Debt/Income ratio: 9%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $733Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: eloquent-agreement0 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Wedding :)
This loan will be used to pay off the remaining amount I owe from my wedding this past February. I borrowed money from a family member to help pay for my wedding and said family member desperately needs the funds.

My wife and I have good paying jobs and are credit worthy. Please help.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476334
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Jul-1986 Debt/Income ratio: 12%
Credit score: 720-739 (Aug-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 39 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $86,229Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: camaraderi-confidant 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
New Roof for the house.
Purpose of loan:
This loan will be used to purchase a new roof on my primary residence..

My financial situation:
I am a good candidate for this loan because? I'm employed, same company for 11 years.
I have two net positive rental properties.

Monthly net income: $ 10000 ($7000-job +$3000 rental)

Monthly expenses: $
??Housing: $ 2200 (primary)?$900 (rentals)
??Insurance: $
??Car expenses: $ 0??(All cars paid for)
??Utilities: $ 400
??Phone, cable, internet: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476354
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.79% - 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-1993 Debt/Income ratio: 30%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 10 Current / open credit lines: 6 / 6Length of status:12y 8m
Amount delinquent: $0 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $263Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: madman1 Borrower's state: Illinois Borrower's group: NO DELINQZ
Credit and homeownership information was obtained 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 / 4 On-time: 70 ( 100% ) 660-679 (Latest)
Principal borrowed: $24,890.00< 31 days late: 0 ( 0% )  
660-679 (Dec-2009)
580-599 (Dec-2007)
580-599 (Nov-2007)
600-619 (Nov-2006)
 
Principal balance: $7,117.63 31+ days late: 0 ( 0% )
Total payments billed: 70  
Description
Paydown Medical Bills with 5th Loan
Purpose of loan:
This loan will be used to? Paydown some recently accumulated medical bills resultant from recent heart attack of Mothers Day 2010

My financial situation:
I am a good candidate for this loan because?I can afford?a loan for $339.00 easily compared to the?12 month maximum extension of the medical bill payments as required of the hospital and doctors that will only accept?a 12 month payment plan. This?$7,500 maximum amount allowed by Prosper is less than the $10,500 owed. But, I am going to obtain the $3,000 balance from my company 401K plan.

Monthly net income: $ 4,180 myself and $1800 wife

Monthly expenses: $?5600
??Housing: $?1,925
??Insurance: $ 340
??Car expenses: $400
??Utilities: $ 780
??Phone, cable, internet: $350
??Food, entertainment: $ 750
??Clothing, household expenses $120
??Credit cards and other loans: $ 15
??Other expenses: $ 920

Based upon my previous 48 monthly payments on loans made to Prosper since October 2006 that have been on time and the total of $25,000 that I have borrowed from them would?make me?an excellent candidate to continue?as a Prosper client?as?I have?never?made any late payments. I have paid off one loan for $10,500 and another one for $8,500 with Prosper the last?4 years so far. So, there should be no problem in my ability to pay off?this smaller loan?which is very important to reducing the significant medical bills incurred during my hospital stay back in May 2010. I am in need of?reducing my expenses and increasing my cashflow with this loan due to these?medical expenditures?which were?the result of?a?recent heart?procedure and diabetes problem?that have gotten significantly better as I have been in Rehab and lost 40 pounds in a 4-month period to reduce my future medical risks. And, now?I eat right, exercise daily?and maintain my conditioning. I am unable to afford the total amount of the patient portion of the medical bills during the past 4 months which?total approx $10,500, but I can clean up a significant portion of the outstanding medical debts with this $7,500 loan, along with a 401K withdrawal of $3,000?to supplement the balance remaining. Please help me accomplish this as this would be an immense help to me and my family to afford my medications and enter Phase 3 physical therapy plan?that is required for total recovery.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476358
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.79% Starting borrower rate/APR: 14.79% / 16.96% Starting monthly payment: $518.44
 
Auction yield range: 5.79% - 13.79% Estimated loss impact: 5.18%  
Lender servicing fee: 1.00% Estimated return: 8.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper 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: The Portable Hookah!
The World's Most Portable Hookah Pipe is Growing Up and We Need Your Help:

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 we launched: 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 our new hookah, which we call the HoboNargile.

For those who are new to the HoboHookah: Basically, its the world's first hookah designed specifically for travel and bringing to parties. The unique thing about the HoboNargile and the HoboHookah is the fact that they work on any bottle. Just bring the HoboNargile, and fix it to a Nalgene, Sigg, 2l coke bottle, 1l liquor bottles, or basically any standard liquid receptacle and you have a fully functional water pipe. We've sold hookahs to people on every continent (even to McMurdo Station in Antarctica!) and in 27 different countries.

After our first successful Prosper loan three years ago, we are ramping up production and we do need Prosper's 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. We are seeking a loan of $15,000 to help us cover part of the working capital for this manufacturing cycle.

Top Line 2010 Income Statement for our 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. Outlook is strong for this month, with both wholesale and retail sales showing strength due to our marketing efforts and attendance at a major industry trade show.

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 as well as featured by Swagapalooza and Fooding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476370
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 7 First credit line: Jan-1995 Debt/Income ratio: 21%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 11 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,970Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: luminous-social3 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
Increase product marketing
Purpose of loan:
This loan will be used to finance expansion of a social software package.

My financial situation:
The product is currently available in the marketplace, The product earned $1042 in August and so far in September has earned $997. Currently the Cost to Acquire Customers is $0.10 and the Lifetime Value of each customer is $0.24 and has been increasing since product launch. Summary of Product Financials Since Product LaunchRevenue$2486.21Marketing$1028.30Internet Serving Costs$547.47EBIT$860.44
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476382
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 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: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Feb-1995 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: 4 / 4Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,169Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: shrewd-dollar Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit card
Purpose of loan:
This loan will be used to pay credit card

My financial situation: is not bad
I am a good candidate for this loan because I'm dependable don't owe anything else except for my credit card and mortgage.

Monthly net income: $2000

Monthly expenses: $ 1800
??Housing: $600
??Insurance: $200
??Car expenses: $0
??Utilities: $300
??Phone, cable, internet: $60
??Food, entertainment: $600
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476416
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 10.75% Starting borrower rate/APR: 11.75% / 13.88% Starting monthly payment: $330.95
 
Auction yield range: 3.79% - 10.75% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 7.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Sep-1991 Debt/Income ratio: 8%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 29 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $111,189Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: Snied Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation- Debt Free Soon!
Purpose of loan:
I have a short term need to consolidate some high interest debt. My goal is to be completely debt free within the next 12-18 months. This loan will help me eliminate high interest debt and accelerate my path to eliminating debt.

My financial situation:
I have solid household income (Top 1%)?and just have a short term need for cash.There is no issue with affordability of this loan. ?I am quickly trying to get to a point where I have no debt at all and a short term loan right now would be very timely. I anticipate having this loan paid back within 9-12 months max.

I previously listed this loan and received 90% of funding. I have reduced the amount in the hopes of getting 100% funding this time. Thank you for all that previously supported me.


Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476420
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $14,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 11.99% Starting borrower rate/APR: 12.99% / 15.13% Starting monthly payment: $471.65
 
Auction yield range: 3.79% - 11.99% Estimated loss impact: 3.54%  
Lender servicing fee: 1.00% Estimated return: 8.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Nov-1993 Debt/Income ratio: 19%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 3Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,127Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: basis-chooser6 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate GEMB, CAR, IRS
Purpose of loan, occupation, financial status:
I plan to use this loan to consolidate two Care Credit lines of credit (which are closed) from GE Money Bank, payoff my agreement with IRS for 2007, and pay off my car loan with Fifth Third Bank, monthly payments come to $1,067.00.? This loan will bring it to $492.00 per month.? The difference will be added to my current monthly payment to power service my one other closed credit card and I will be able to pay that debt off in 14 months compared to 48 months.? I will repay this loan off early, after 12 months, but before 24 months.

I am a train conductor for Amtrak and my job is very secure.?

The income listed above is my own, and not my total household income, which is closer $148,000.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476426
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $401.44
 
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): 10 First credit line: Oct-1993 Debt/Income ratio: 18%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 29 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,640Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: income-burrito Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off higher rate credit card debt.

My financial situation:
I am a good candidate for this loan because I have never missed a payment on any credit line.? In our younger years, my wife and I ran up significant credit card debt which we are now steadily working down.? I have never had a problem meeting our current payments, I am simply looking for a better rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1972 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 8 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,408Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: currency-tower 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to?
Consolidate Debt
My financial situation:
I am a good candidate for this loan because?
it is short term
Monthly net income: $
5000
Monthly expenses: $
??Housing: $ 1200
??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 476438
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Phenix-always 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
emergency
Purpose of loan:
This loan will be used to fix?basement
My financial situation:
Have no credit card, car or other loans - you can see it in my record.
Improved my credit score by 75 points just last month.
Feel free to ask any questions.

Monthly net income: $4150

Monthly expenses: $2010
??Housing: $1150
??Insurance: $35
??Car expenses: $75
??Utilities: $50
??Phone, cable, internet: $65?
??Food, entertainment: $350
??Clothing, household expenses $175
??Credit cards and other loans: $0
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476446
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1987 Debt/Income ratio: 20%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 28 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $130,467Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: robust-bill8 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
pay off credit cards
Purpose of loan: This loan will be used to? payoff credit card debt and pay college tuition. I am a good candidate for this loan because I have never missed a payment in over 24 yrs of having credit. Monthly net income: $ is approximately $10,000 per mo Monthly expenses: $ ??Housing: $1600 Insurance: $285 ??Car expenses: $900 Utilities: $450 ?Phone, cable, internet: $150 ??Food, entertainment: $800 ?Clothing, household expenses $ ??Credit cards and other loans: $2000 ??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476452
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 4 First credit line: Oct-2005 Debt/Income ratio: 32%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $975Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: platinum-monster8 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
buying a used car,need a way to job
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 476456
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $295.28
 
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: 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: 10 / 4Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 31 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,926Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: Honda_Guy Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate higher variable rate
Purpose of loan:
I would first like to say thank you for your interest in my loan.? I'm able to assure you 100% that this investment is as safe as you investing your money into a?CD at your local bank, however at a much higher rate of return.
This loan is?to pay off a large purchase just made using a?variable rate credit card with a popular gym equipment company.?
I have tried to get a loan on here for almost the entire purchase but was only funded 27% after 3 days and I decided to cancel that loan.? I will just pay the additional expense out of pocket.

My financial situation:
My financial stability is solid.? I have been at the same employer for over 6 years now.? As you can see with my "profile" and credit, I have never been late on a single item.
I have liquid assets in place to pay cash for the purchase and loan, however I like to keep my investments in place.
After my monthly commitments, I have over $4000.00 cash left over.? Your investment is secure here.
Your ROI (return on investment) is guaranteed here.
I don't know why it states that I don't own my home, I do so that is an error.? Also you may see my debt to income is only at 9%.? So you are able to see that your investment is secure here.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $178.39
 
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): 3 First credit line: Aug-1988 Debt/Income ratio: 5%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:19y 11m
Amount delinquent: $0 Total credit lines: 3Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: return-piano1 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
UTILITIES GETTING TURNED OFF HELP
Purpose of loan:
This loan will be used to pay bills to keep utilities on for the kids ...electricity = $1500 gas= $1000 water and trash =$380

My financial situation:
I am a good candidate for this loan because i belive i am trying to get everything paid i am really backed up once i catch up on my bills i will be caught up and able to be back on our feet ..my total utilities were about 8000 alone last month but i paid half i just need help paying the other half ...thank you and god bless

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $95
??Car expenses: $220
??Utilities: $3000
??Phone, cable, internet: $150
??Food, entertainment: $180
??Clothing, household expenses $100
??Credit cards and other loans: $0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476482
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Jun-2000 Debt/Income ratio: Not calculated
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,865Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: Gsmcellz Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay credit card, online Business
Purpose of loan:
This loan will be used to? Pay of all my existing debt and fund my new online business

My financial situation:
I am a good candidate for this loan because? It will be an automatic withdrawal from my checking? .

Monthly net income: $ 4,500.00

Monthly expenses: $
??Housing: $?1,315.00
??Insurance: $ 200.00
??Car expenses: $ 600.00
??Utilities: $?100
??Phone, cable, internet: $ 400.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $?300.00
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476488
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Oct-1997 Debt/Income ratio: 12%
Credit score: 620-639 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 8 / 6Length of status:10y 8m
Amount delinquent: $1,946 Total credit lines: 19 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,548Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: JRFYDAD 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: 29 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Short Term Loan Request
Purpose of loan:
This loan will be used to? Short term funding for college expenses.

My financial situation:
I am a good candidate for this loan because?I have borrowed $3,000 through Prosper before and paid that loan off wothout issue and with no late penalties.?I?intend to pay off the new loan in December 2010 when?company profit sharing is?received. I also have over $5,000 in stock options vesting in late November 2010.?

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 476492
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Jan-1994 Debt/Income ratio: 33%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 10Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 32 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $673Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: jaden95 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
Business loan
Purpose of loan: I am in the debt purchasing and collections?arena and have had my own business doing it for the past 4 years. Over the past 4 years I have accumulated about 2.5 million dollars in Judgments. With the requested funds I would be able to move forward on executing these judgments for a substantial profit.

My financial situation:?? I am a good candidate for this loan because I have a great credit score that have worked very hard to achieve and maintain. I have a good business sense as I have been able to keep?my business going during this tough recession in which I believe we are on our way out of.

Monthly net income: $ 5,666

Total Monthly expenses: $ 2945
??Housing: $ 1100
??Insurance: $ 200
??Car expenses: $ 220
??Utilities: $?150
??Phone, cable, internet: $ 225
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150?
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,600.00 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: $147.94
 
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-1997 Debt/Income ratio: 15%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 14Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,379Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: funds-leader 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
Small Debt Consolidation
Purpose of loan:
This loan will be used to consolidate some debts that I have.

My financial situation:
I am a good candidate for this loan because I have a long standing credit history with 0?delinquencies?or defaults.? I am never late on my payments and I am fortunate to be working in a field that has not been drastically affected by the economic downturn.? I still get plenty of overtime!? I may end the listing early, so please bid your best rate.? Thank you.

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 476504
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 30.97% Starting monthly payment: $39.76
 
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): 8 First credit line: Mar-1985 Debt/Income ratio: 5%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:25y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,542Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: speedy-market023 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
auto repair
Purpose of loan:
This loan will be used to? for unexpected auto repair

My financial situation:
I am a good candidate for this loan because?I plan I paying it off within 6 mos. because this expense caught?me by surprise at a bad time, and I didn't have any other credit card from which to get a cash advance. If it were foreseeable I would?have saved money upfront for this expense, rather than have to get a loan.?

Monthly net income: $ 5139????????????????????

Monthly expenses: $
??Housing: $? 1555
??Insurance: $ 200
??Car expenses: $ 767
??Utilities: $ 200
??Phone, cable, internet: $ 400
??Food, entertainment: $ 800
??Clothing, household expenses $?400
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476518
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 7 First credit line: Aug-1993 Debt/Income ratio: 26%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 20Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 44 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,044Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: VolunteerFirefighter47 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I like to have only one payment
Purpose of loan:
This loan will be used to?
Cosolidation of loans
My financial situation
Is ok I need to make only one payment I have 3 credit cars whit 3k each I like to make only one payment on this cards tha will be your payment I make the paymen of 400 a month foe eanch also who ever loan the money to me
I will?pay this loan off faster the wife work? I just need to free? many payments??

Monthly net income: $ 5500

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 600
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $12000
??Other expenses: $ 900
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476522
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $416.87
 
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-2006 Debt/Income ratio: 16%
Credit score: 800-819 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,542Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: power-genius Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Almost Free
Purpose of loan:
This loan will be used to?

Consolidate 1 car loan and 4 credit accounts. Which will allow me to reduce 888.23 a month in payments to around 350.00. The reason for payments totaling 888.23 a month I never pay the minimum payment. I have finished settling into a new house that I purchased in April and completed all repairs and updates. My son will turn 5 in June which he will start private school and the extra money will come in very handy. Would like to be able to start a savings fund for his college.

My financial situation:
I am a good candidate for this loan because? I have never missed a payment or been late for one. I don?t bounce around from job to job.
Monthly net income: $ 3480
Monthly expenses: $
Housing: $ 1352.00
Insurance: $87.00 car/life
Car expenses: $ 338.00 payment
Utilities: $ 300.00
Phone, cable, internet: $ 250.00
Food, entertainment: $
Clothing, household expenses $
Credit cards and other loans: $ 550.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476524
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $102.73
 
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-2000 Debt/Income ratio: 18%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 14Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 44 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $159,742Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: gaurantee101 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 Discover Card
Purpose of loan:
This loan will be used to pay of a high interest discover card.

My financial situation:
I am a good candidate for this loan because i have never missed or been late with payments. Employed in the high tech industry.

Monthly net income: $ 11,000

Monthly expenses: $
??Housing: $ 2698
??Insurance: $ 50
??Car expenses: $ 0 (Both cars are paid off)
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1600
??Other expenses: $ 0
Revolving credit balance:$159,742 (75,000 was a HELOC to split the primary loan no money was spent.)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476528
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.2%  
   
 
Starting lender yield: 6.70% Starting borrower rate/APR: 7.70% / 9.78% Starting monthly payment: $218.39
 
Auction yield range: 3.79% - 6.70% Estimated loss impact: 3.26%  
Lender servicing fee: 1.00% Estimated return: 3.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1996 Debt/Income ratio: 19%
Credit score: 800-819 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,323Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: wise-bill-pro 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: 6 ( 100% ) 800-819 (Latest)
Principal borrowed: $7,250.00< 31 days late: 0 ( 0% )  
760-779 (Feb-2010)
740-759 (Dec-2009)
 
Principal balance: $6,178.34 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Paying off Last Credit Card!
Purpose of loan:
This loan will be used to pay off my last Credit Card, Almost Credit Card Free!
My financial situation:
I am an excellent candidate for this loan because I have been always on time with any loan/Credit Card Payments.? If you notice my Credit score has improved considerably since my last loan through Prosper 6 months ago and I have always made on time payments.? I am working on getting this loan and I will be out of credit card debt.
The remaining Revolving Credit Balance, is due to Work expenses that are reimbursed on a monthly basis.? I can provide detailed backup if needed. 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476530
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 12.00% Starting borrower rate/APR: 13.00% / 16.25% Starting monthly payment: $202.16
 
Auction yield range: 10.79% - 12.00% Estimated loss impact: 11.06%  
Lender servicing fee: 1.00% Estimated return: 0.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-2003 Debt/Income ratio: 36%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,115Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: pleasant-dedication816 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
Payments will be made on time
Purpose of loan:
This loan will be used to?
consolidate two credit cards at a lower interest rate.
My financial situation:
I am a good candidate for this loan because?
I do not miss payments, I make payments on time, and I will not default.
Monthly net income: $
$3100 for myself (my wife nets $3800)
Monthly expenses: $
??Housing: $ 650
??Insurance: $ 90 (home and auto)
??Car expenses: $0 (no auto loan)??
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $30
??Credit cards and other loans: $?300 (from credit cards that will be consolidated with this loan) $300 in student loans
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476534
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 11.05% Starting borrower rate/APR: 12.05% / 17.56% Starting monthly payment: $33.24
 
Auction yield range: 5.79% - 11.05% Estimated loss impact: 6.13%  
Lender servicing fee: 1.00% Estimated return: 4.92%  
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): 8 First credit line: Aug-2002 Debt/Income ratio: Not calculated
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,842Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: ace8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off a high interest credit card.

My financial situation:
I am a good candidate for this loan because I have a perfect payment history with all my school loans and credit card. I would just like to pay this amount of credit off faster than I can now due to a high interest rate.

Monthly net income: $2200

Monthly expenses: $1848
??Housing: $750
??Insurance: $58
??Car expenses: $30
??Utilities: included in rent
??Phone, cable, internet: $40
??Food, entertainment: $100
??Clothing, household expenses $20
??Credit cards and other loans: $850 (student loans)
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476540
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1984 Debt/Income ratio: 168%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 40 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,784Stated income:$100,000+
Delinquencies in last 7y: 9 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: supere46 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Medical Bills
Purpose of loan:
This loan will be used to pay off medical and dental bills
My financial situation:
I am a good candidate for this loan because I have a very stable employment history and have the financial resources of a 2 income household.

Monthly net income: $ 7,342

Monthly expenses: $
??Housing: $ 1784
??Insurance: $ 115
??Car expenses: $ 332.00
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $?300?
?Clothing, household expenses $ 300
??Credit cards and other loans: $ 500
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476542
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.79% - 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: 19%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:6y 1m
Amount delinquent: $49 Total credit lines: 25 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,131Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: joyful-payment0 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 Debts
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 476546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,100.00 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: $230.70
 
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: Jun-2000 Debt/Income ratio: 39%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,516Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: dinero-burst 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
Moving into a new home!
Purpose of loan:
This loan will be used to fund?new furniture?in a new apartment.? I have been living in a small apartment with decent furniture for the past 5 years since moving?to Los Angeles.? I have?kept steady jobs ever since and have recently landed a well paying position.? This new position has granted me the ability to move to a bigger location.? I?have already scheduled the moving trucks to take what little I want from my?current?apartment.??The furniture I have had for the past 5 years?has already been scheduled to be donated to The Salvation Army?who will be coming to pick it up at the end of the month.? I hope the furniture that has sustained me for the past 5 years can grant someone?else the happiness that it has granted me.

My financial situation:
I am a good candidate for this loan because I am able to maintain paying off all my debt in a monthly fashion without having any of my lenders worry about missing any payments.

Monthly net income: $ 3,800.00

Monthly expenses: $
??Housing: $ 1,375.00
??Insurance:?paid by employer
??Car expenses: $ 100.00 - car insurance
??Utilities: $ 30.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476570
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1998 Debt/Income ratio: 37%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,592Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: community-cluster9 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
Biz back-on-track:lesson learned
Purpose of loan:
This loan will be used to remedy a naive small business owner mistake of not keeping personal and business accounts separate the past 4 years. Lesson learned. Ouch.

My financial situation:
I am a good candidate for this loan because my business is profitable past this roadblock. I will also be working extra hours to pump additional "net income" not shown below into my accounts, net $1500/month projected.

Monthly net income: $4000 ($2000 from university, $1500 from business, $500 from consulting side-job) plus extra income as stated above for next couple months

Monthly expenses: $2800
??Housing: $500
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $100
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $1700
??Other expenses: $100 (public transit)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470335
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.15% Starting borrower rate/APR: 32.15% / 35.81% Starting monthly payment: $283.65
 
Auction yield range: 13.79% - 31.15% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1997 Debt/Income ratio: 58%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,094Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: JayLep Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 45 ( 100% ) 700-719 (Latest)
Principal borrowed: $23,500.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2009)
720-739 (Sep-2008)
720-739 (Sep-2007)
 
Principal balance: $3,389.62 31+ days late: 0 ( 0% )
Total payments billed: 45  
Description
Dental Surgery
The purpose of this loan is to help my husband get his smile back
This loan will be used to pay for my husbands upcoming dental surgery. His dental health has been declining over the years. He has been putting off the surgeries for years so that I could go to nursing school to become a registered nurse. We do have dental insurance, but it will only cover up to $1500.00 per year and he is currently going through a dental school to save money, but the cost is due in cash up front over the next 2-3 months. Please Help my husband to smile again.

Our credit took a hit recently when my student loans went into repayment status. Which is why it appears I have so many debts. I have multiple student loans through multiple banks. :
I am a good candidate for this loan because we are both gainfully employed at this point. I am a registered nurse working for a local hospital and he is a meat cutter (and has been for 15 years) working for an upscale supermarket chain. We have had three loans through prosper, two of which have been paid off and one that is still in repayment. We have never made a late payment on any of our loans, nor have we ever defaulted or declared bankruptcy.

Monthly net income: $4500.00

Monthly expenses: $3400.00
Housing: $735.00
Insurance $95.00
Car expenses: $343.00
Utilities: $157.00
Phone, cable, internet: $160.00
Food, entertainment: $200.00
Clothing, household expenses $150.00
Credit cards and other loans: $1200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474365
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.00% Starting borrower rate/APR: 29.00% / 32.59% Starting monthly payment: $314.29
 
Auction yield range: 16.79% - 28.00% Estimated loss impact: 19.93%  
Lender servicing fee: 1.00% Estimated return: 8.07%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1998 Debt/Income ratio: 24%
Credit score: 620-639 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,241Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: jdh_79 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: 34 ( 97% ) 620-639 (Latest)
Principal borrowed: $4,000.00< 31 days late: 1 ( 3% )  
600-619 (Mar-2008)
620-639 (Aug-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Eliminating High Interest Credit
Purpose of loan:
This loan will be used to pay off one high interest credit card from HSBC (Best Buy)

My financial situation:
I am currently an employed executive in the San Francisco (Silicon Valley) Bay Area. I have been steadily employed with progressive promotions in the hospitality industry for 10 years and am currently in a stable executive Director of Sales & Marketing position. Simply put, I spent too much money in 2005 & 2006 from being young and credit worthy. I have been working diligently for 4 years to repay my credit debts. I have successfully repaid my debt down from over $125,000 to under $50,000. I have one difficult HSBC (Best Buy) credit card leftover from 2006. The card carries a 27% interest rate plus exorbitant monthly fees because it is over limit. I have been unable to pay off this card as I pay $350+ a month towards it and am hit with approximately $300 in fees every month. This card is the sole reason I am applying for this loan as I am successfully paying down my other credit. I sincerely appreciate your consideration of this investment.

Monthly net income: $ 6000.00

Monthly expenses: $
Housing: $1000.00
Insurance: $100.00
Car expenses: $350.00
Utilities: $150.00
Phone, cable, internet: $0.00 (inc. in utilities)
Food, entertainment: $400.00
Clothing, household expenses $200.00
Credit cards and other loans: $2000.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 474439
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.7%  
   
 
Starting lender yield: 18.00% Starting borrower rate/APR: 19.00% / 24.75% Starting monthly payment: $36.66
 
Auction yield range: 7.79% - 18.00% Estimated loss impact: 9.12%  
Lender servicing fee: 1.00% Estimated return: 8.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2002 Debt/Income ratio: 34%
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 7 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,032Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: well-rounded-dinero 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
Improve credit, reinvest in Prosper
Thanks for looking!
First off, the purpose of this loan is to help with my credit depth. As you can see, I have a great credit score but I'm young and therefore its hard to get good rates on mortgages and loans because of a lack of depth in my credit history. (That is my best guess as to the 'c' rating propser gives)

My financial situation:
I am securely employed by the USAF and will have a job for at least the next 10 years. I've never missed a payment on anything, I pay off my credit card in full every month (yes card, I only have one and I use it for everything, which is why my bank card utilization is where it is), and I have more than enough money in saving to pay off this loan in full at anytime if need be. There is 0 chance of me not paying this loan back, the whole point of it is for me to improve my credit score and credit depth.

Monthly net income: $ 4200

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 120
??Car expenses: $ 100
??Utilities: $ 120
??Phone, cable, internet: $ 100
??Food, entertainment: $ 800
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476105
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 26.00% Starting borrower rate/APR: 27.00% / 30.54% Starting monthly payment: $306.19
 
Auction yield range: 16.79% - 26.00% Estimated loss impact: 19.80%  
Lender servicing fee: 1.00% Estimated return: 6.20%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1992 Debt/Income ratio: 34%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $82,517Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: open-minded-value8 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Expand business
Purpose of loan:
This loan will be used to expand consulting business opportunity to add a computer programmer as a consultant to one of our clients. This will provide us the cash flow to pay the consultant every other week; while we wait to get paid from our client. We can only invoice our client every other week and it will take 30 to 45 days for our client to pay us. This will allow us to expand our business and will create one additional job in the state.
My financial situation:
I am a good candidate for this loan because I always paid my loans and never been delinquent on any loans. This will help me to expand my business since we are cash poor right now to pursue additional business opportunities.

Monthly net income: $ 6,000.00

Monthly expenses: $
??Housing: $ 1180.00
??Insurance: $ 80.00
??Car expenses: $ 0.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 1100.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 2300.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476265
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 14.15% Starting borrower rate/APR: 15.15% / 17.32% Starting monthly payment: $104.22
 
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: Aug-2006 Debt/Income ratio: 11%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 5 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,132Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: RTPCorporation 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
Raising my Credit Score
Purpose of loan:
This loan will be used to raise my credit score! Other than the couple credit cards I currently use, I do not have any other loans showing on my FICA credit report so I want to mix it up a little bit and show that I'm responsible in all the loans I take out! I'm hoping this will raise my credit rating over the 3 years which in return will give me a little better rate when I'm in the market for a house or a loan for a business! With the $3000 I will most likely invest about $2000 back into Prosper and use the other $1000 for everyday purchases or keep it in savings account until I find a better investment for it . I've never been late on a payment in my life, nor do I spend more then I can afford so you can guarantee payment each and every month for the length of the loan! In a nutshell, you can say I'm a "perfectionist", and am looking to make credit as perfect as it can be!

My financial situation:
I am a good candidate for this loan because I really don't need this loan as I have well over $20k in stocks, $5k on hand, and over $50k in other liquid investments including a restaurant! In addition to a family business I work for, I have been employed at a Fortune 500 company for? the last four and half years? working part-time mostly for the benefits. I have been a proud lender on Prosper for the last three years and still currently have about $500 invested in Prosper!

Monthly net income: $ 2500

Monthly expenses: $ 500...I really don't have any major expenses other then food,gas, and entertainment, as I still live with my parents and everything else is paid off!

So as you can see, I really don't need this loan as I'm very financially stable,never missed a payment, and don't have any major expenses, but I am very very eager to raise the "B" credit score.

If there is anything else you want to know please don't hesitate to ask! Thank You for visiting and Good Luck!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476277
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $416.87
 
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: Mar-1998 Debt/Income ratio: 36%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:14y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,464Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: proud-responsibility8 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating credit cards
Purpose of loan:
This loan will be used to consolidate my current credit cards.? I would like one payment and to eliminate the debt over a specific period of time.?

My financial situation:
I am a good candidate for this loan because I am responsible in paying my bills on time, every time.? I have never been late on a payment and don't plan to be.? My credit and credit score is very important.? My main reason is to have the debt put into one payment and paid off in a set period.

Monthly net income: $ 1074.04 (after the following monthly expenses)? I also receive a bonus in January around $ 3,000.00.? This wasn't included in the above income.

Monthly expenses: $ 1,120.00
??Housing: $ Do not pay (house is in fiance's name)
??Insurance: $
??Car expenses: $ 366.92 (car payment) 24 payments left
??Utilities: $?160.00 (1/2 electric & water bill)
??Phone, cable, internet: $ 70.00 (1/2?of the bill)
??Food, entertainment: $ $ 100.00 (1/2 of the bill)
??Clothing, household expenses $
??Credit cards and other loans: $ 423.00 (currently)
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,350.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 15.50% Starting borrower rate/APR: 17.50% / 21.66% Starting monthly payment: $48.47
 
Auction yield range: 13.79% - 15.50% Estimated loss impact: 14.87%  
Lender servicing fee: 1.00% Estimated return: 0.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1986 Debt/Income ratio: 19%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 22Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,607 
Delinquencies in last 7y: 1 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: top-fervent-order Borrower's state: Vermont Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476313
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $115.06
 
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: Mar-1990 Debt/Income ratio: 12%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 1/ 3 Revolving credit balance: $1,509Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: dollar-jalapeno7 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
Consolidaion
Purpose of loan:
This loan will be used to?
To payoff Credit cards
My financial situation: I hope to add extra income to my budget during tax season as a part time tax preparer.
.

Monthly net income: $ 2100

Monthly expenses: $
??Housing: $?1036
??Insurance: $ included in payment of house
??Car expenses: $ car paid for and insurance
??Utilities: $ 100
??Phone, cable, internet: $?72.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.79% - 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: Apr-1985 Debt/Income ratio: 31%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 20 / 20Length of status:4y 1m
Amount delinquent: $6,439 Total credit lines: 61 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,217Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: rnbusy 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 / 3 On-time: 74 ( 100% ) 640-659 (Latest)
Principal borrowed: $18,500.00< 31 days late: 0 ( 0% )  
660-679 (Aug-2009)
640-659 (Feb-2008)
620-639 (Dec-2007)
660-679 (Oct-2006)
 
Principal balance: $4,609.31 31+ days late: 0 ( 0% )
Total payments billed: 74  
Description
Perfect Prosper History
Purpose of loan:
This loan will be used to? Work toward becoming debt free. I will use this loan to pay off non-revolving debt. The payment will be lower than what I am currently paying and I will then use that money to continue becoming debt free.This is a commitment I am completely driven to achieve.

My financial situation:
I am a good candidate for this loan because? I am dependable and reliable, have been working in health care for over 30 years, committed to only 3 facilities during that time. I have never defaulted on anything in my life and am grateful for my dependable income. The delinquency showing currently is inaccurate as during a re-age with the same mortgage?company, it made the old payments appear late, and they are working to fix this. I am honest and hard-working, and totally committed to removing debt from my life. I am currently in a Master's program, which is the cause of some of my debt. I have paid off previous prosper loans with 100% perfect history. My experience with prosper has been very positive and the vision of people helping people is what America stands for. Thank you all for your consideration and I would be glad to answer any questions you may have. You will not regret helping me reach my goals.

Monthly net income: $ 5700.00

Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 130.00
??Car expenses: $ 0
??Utilities: $ 150.00
??Phone, cable, internet: $?60.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 800.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.79% - 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: Feb-1986 Debt/Income ratio: 38%
Credit score: 860-879 (Sep-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:11y 0m
Amount delinquent: $0 Total credit lines: 54 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,892Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: microscope1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476337
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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
Value Stock
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 476343
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-2007 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $75Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: poplar9 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay bills. stay out of debt invest
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 476361
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1974 Debt/Income ratio: 23%
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $89,544Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: bill-handshake Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off high interest credit card balances.? Please note the Revolving credit balance includes a HELOC with a balance of approximately 70k

My financial situation:
I am a good candidate for this loan because I have stable employement

Monthly net income: $ 6500.00

Monthly expenses: $ 5250.00
??Housing: $ 2100.00
??Insurance: $ 200.00
??Car expenses: $ 450.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 500
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $ 1500.00
??Other expenses: $ N/A
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476379
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $201.91
 
Auction yield range: 13.79% - 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: Oct-2005 Debt/Income ratio: 17%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 6 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,721Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: ultimate-income3 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
credit consolidation
Purpose of loan:
This loan will be used to? pay off my debt so I can start saving for the future and to get my crdit score to rise

My financial situation:
I am a good candidate for this loan because? I have never been late on a payment and am always on time.

Monthly net income: $ 2600

Monthly expenses: $
??Housing: $? 650????
??Insurance: $ 120
??Car expenses: $ 0
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 200-300
??Clothing, household expenses $ 200
??Credit cards and other loans: $? 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 8 First credit line: Nov-1987 Debt/Income ratio: 10%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:6y 6m
Amount delinquent: $403 Total credit lines: 15 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,402Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: SHOP_MAN1 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 personal loans

Purpose of loan:
This loan will be used to pay off existing credit card debt of 1600.00 and also to?payback a personal loan from my parents.??The revolving credit balance does not reflect my personal credit debt.??I?am listed on my mothers Discover?credit card, and?only one card. I did this in?an effort to help rebuild my credit.? My parents just purchased (2) New top of the line Lennox A/C and Air Handlers with install and put them on the Discover, I am listed on this card so... This is not my debt, I do not make any payments towards that balence. The personal loan from my parents was used for the cost associated?with the?purchase of my home.

My financial situation:
I am a good candidate for this loan because I have worked really hard over the last few years to rebuild my credit, deliquency (SEE NOTE at BOTTOM)?is not an option. I will have this loan paid off sooner than the 3yr allowed. I am not really sure why the "D" rating. I have loaned money?through Prosper in the past.?I have worked hard to rebuild my credit and consider it good. Maybe because I have not taken a loan from Prosper before...

NOTE:? I cannot explain the 2 deliquencies and?now?deliquent amount of $403 but neither can Prosper or Experian. Let me explain...So I contacted Prosper first to see why they see this or what its from.? They told me to contact Experian that " we get the report directly from Experian". Ok so I contacted Experian, but not before I pulled a updated copy of my credit report which does not reflect 2 deliquencies or a current amount deliqeunt amount of $403. Experian confirmed they also do not see a match with what Prosper claims to see from Experian... Experian did offer that it might have something to do with SOFT pull and suggested I contact Prosper again and ask the to perform a hard pull.? I was willing to do this to clear this up.? After contacting prosper again they informed me they cannot and?do not perform HARD pull and told me once again the information they recieve is from Experian and that " I should contact them again and have them dig DEEPER" really??? I even asked both parties if they would be willing to conference call to the other. Both refused saying it wouldnt help.??Im at wits end here nobody wants to step up and help me. Its not on my credit report so I cannot dispute it, but Prosper sees it. The only?way prosper implied that they would help,but did not say it?directly was to wait 30 days and see if it showed up on next pull.?

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 993
??Insurance: $ 97
??Car expenses: $ 0
??Utilities: $?170
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $?150
??Other expenses: $ 350
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476385
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 7 First credit line: Sep-1991 Debt/Income ratio: 14%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 11 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,129Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: equitable-power6 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Cancer Survivor needs your help!
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 have a long credit history.? I just need temporary help to get back on my feet after a family medical issue.

Monthly net income: $ 4000????

Monthly expenses: $
??Housing: $ 2300
??Insurance: $?200
??Utilities: $ 140
??Phone, cable, internet: $ 125
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476413
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
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: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1996 Debt/Income ratio: 24%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,003Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: relentless-generosity6 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a used car
Purpose of loan:
This loan will be used to? add to existing funds to buy a fuel-efficient older Toyota or Honda

My financial situation:
I am a good candidate for this loan because? I always pay back my debts and treat them as important obligations.

Monthly net income: $ 5350

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 140
??Car expenses: $?500
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476423
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 4 First credit line: Mar-1994 Debt/Income ratio: 33%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:10y 6m
Amount delinquent: $0 Total credit lines: 29 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,109Stated income:$25,000-$49,999
Delinquencies in last 7y: 31 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: help38 Borrower's state: Oklahoma Borrower's group: Payoff Pay Day Loans
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off credit cards and provide one monthly payment. I have been staying afloat with these debts but want to consolidate so that I can get ahead.

My financial situation:
I am a good candidate for this loan because?I have not filed bankruptcy and have worked hard to pay my bills on time. I understand that on paper I look like a high risk but i can assure you that achieving a high credit score and staying ahead of my debt is my ultimate goal. I have come a long way over the last few years and I intend to go further. I work hard and have a great employment history.

Monthly net income: $ 2500.00

Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 50.00
??Car expenses: $?None
??Utilities: $ 200.00
??Phone, cable, internet: $ None
??Food, entertainment: $ 100.00
??Clothing, household expenses $ None
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476431
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1998 Debt/Income ratio: 20%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:5y 6m
Amount delinquent: $84 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,438Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: SunShine1925 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
WILL NOT HAVE NO LATE PAYMENTS
Purpose of loan:
Maternity leave after Cesarean section ,

My financial situation:
I am on good financial footing because I pay all my bills on time and take my financial responsibility very seriously. I also have great job security during these tough economic times so making my monthly payments wont be a problem.

Monthly net income: $ 5900

Monthly expenses: $?
??Housing: $ 1,786
Insurance: $77
Car expenses: $450 + Gas $150
Utilities: $ 350
Phone, cable, internet: $ 130
Food, entertainment: $ 500
Clothing, household expenses $ 300
Credit cards and other loans: $ 105
Medical expenses : $70
Other expenses: Tithes 10% of take home Total = $590

Total monthly expenses = $ 4,508

For some reason Prosper sent me an email stating my address could not be verified when, I have received and confirmed my address via the post card mailed to me. So my previous listing was full funded but communication error did not allow my loan to be proccesed.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476443
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $294.03
 
Auction yield range: 16.79% - 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: Nov-1995 Debt/Income ratio: 51%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 24Length of status:17y 1m
Amount delinquent: $0 Total credit lines: 70 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,266Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: kind-listing-guardian Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Repair/Daughter's Wedding Exp.
Purpose of loan:
This loan will be used to pay for badly needed home repairs and to pay some of balances on daughter's wedding expenses.???

My financial situation:
I am a good candidate for this loan because our financial continues to improve.? Our household income is $180,000.? My teaching position is definitely stable and my husband's job is in good standing.

Monthly net income: $2,800

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 0
??Car expenses: $ 30
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $? 25
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 350
??Other expenses: $? 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $199.29
 
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): 6 First credit line: Aug-2002 Debt/Income ratio: 25%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 11 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,069Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: newest-trade-adventurer 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
CREDIT CARD PAYOFF
Purpose of loan:
This loan will be used to repay a high APR credit card, out of which I have already paid off 60%.

My financial situation:
I am a good candidate for this loan because I have extra income from freelance work. I am quite annoyed with Chase raising the APR before the new CC limitation policy law went into effect last year. My previous APR was 11%

Monthly net income: $ 2900
Monthly expenses: $ 2400
??Housing: $ 700
??Insurance: $ 150
??Car expenses: $ 250
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476449
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
 
Auction yield range: 13.79% - 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: Oct-1999 Debt/Income ratio: 29%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,772Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: dinero-curriculum 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
Consolidate/pay off credit cards
Purpose of loan:
This loan will be used to consolidate a portion of my credit card debt.

My financial situation:
I am a good candidate for this loan because I believe I have a fairly stable income stream as a (albeit rather new) debt restructuring/insolvency attorney in the current economic crisis.? I have never had any delinquencies on debt payments and do not intend to have any. Have been attempting to deal with credit card debt over last 6-9 months and not getting too far making minimum payments on several accounts. Expecting first child soon and want to deal with this as quickly as possible.

Monthly net income: $ 3,025

Monthly expenses: $
??Housing: $??0 (live with family)
??Insurance: $? 110.00
??Car expenses: $??400.00?
??Utilities: $?? 40.00
??Phone, cable, internet: $?? 0.00 (employer provides)
??Food, entertainment: $?? 150.00
??Clothing, household expenses $??50.00?
??Credit cards and other loans: $??850.00
??Other expenses: $? 100.00 (misc) + 500 (tithes/charitable giving)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476453
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $143.83
 
Auction yield range: 10.79% - 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: Apr-1976 Debt/Income ratio: 13%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 9Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $549 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: seahorse4 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
auto repair
Purpose of loan:
This loan will be used to?? repair on my car

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

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 218
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476461
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $134.61
 
Auction yield range: 13.79% - 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: Oct-2002 Debt/Income ratio: Not calculated
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,767Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: enterprising-commerce6 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
Relocating for Employment
Purpose of loan:
This loan will be used to help me relocate for a new job!

My financial situation:
I am a good candidate for this loan because I make all of my payments on time, have excellent cash flow, and have low expenses.? I?am trying to avoid?using my credit cards to help with my moving expenses.? I will be spending this?money to make?more at my new job.? Please note that my length of employment is kind of deceiving because I have been working at my current job for almost two years, however, I recently changed employers, but my position stayed the same.? I have not had a break in employment since 2006.? I also have my own business which provides additional income.? I can easily afford this loan.

Monthly net income: $ 1405

Monthly expenses: $
??Housing: $ 810
??Insurance: $ 50.00
??Car expenses: $ 0.00
??Utilities: $ 30.00
??Phone, cable, internet: $ 30.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 400.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476467
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
Auction yield range: 16.79% - 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: Jul-2006 Debt/Income ratio: 91%
Credit score: 700-719 (Aug-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,795Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: Derangle_Enterprises Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Start Up
Purpose of loan:
The purpose of this loan is to finalize the business start up costs including buying my first property. There are office supplies I have been waiting to get in order to do better research, organize records, and communicate effectively with my associates. Any money left over from this loan will be held in the business account for any other business expenses.

My financial situation:
I am a good candidate for this loan because I have done the work to get the numbers right. The money from this loan will allow me to smoothly start operating my business and set a foundation for a source of money. My personal financial situation does not accurately depict how careful I truly am when it comes to money. I just completed a move across the country and had to use most of my funds to get my Wife settled in to our new residence. After completion of this project, I plan to make more deals like this and provide good business for those who decide to work with me.

Monthly net income: $ 1400.00

Monthly expenses: $
??Housing: $ 225.00
??Insurance: $ 130.00
??Car expenses: $ 210.00
??Utilities: $ 120.00
??Phone, cable, internet: $100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 125.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476471
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $148.65
 
Auction yield range: 16.79% - 19.00% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2005 Debt/Income ratio: 25%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,677Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: jubilant-cash5 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate Credit Cards
Purpose of loan:
This loan will be used to pay off my credit card debit. Thanks to the new credit card laws, my interest rate was spike to 29% even though I've always paid on time and if I somehow managed to go over my limit, I've always made an extra payment ASAP to correct.

My financial situation:
I am a good candidate for this loan because my husband and I have been working hard to pay off our debt but thanks to the interest charges we are making little headway

Monthly net income: $ 1,650

Monthly expenses: $
??Housing: $350
??Insurance: paid every 6 months, not due until December
??Car expenses: $200
??Utilities: $100
??Phone, cable, internet: $26.61
??Food, entertainment: $150
??Clothing, household expenses $25
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.79% - 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: Feb-2005 Debt/Income ratio: 26%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 2 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: trade-viking Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a new car for our family
Purpose of loan:
This loan will be used to purchase a new vehicle.? Our current family car has almost 150,000 miles on it and has been giving us lots of trouble lately, and we are running into a situation of it costing us more to fix it than to replace it.? However, we are still paying on this vehicle and run into an issue of negative equity when trying to trade it in without some form of a down payment.? This loan would give us the down payment we need to be able to trade in on a car with much less miles that is safe for my family to drive/ride around in.?

My financial situation:
My wife and I do fairly well as far as the money we make.? The thing we have struggled with in the past has been our credit scores.? Her credit score is low because of credit card debt/late payments?accumilated from when she was younger.? We are working hard to get these issues from the past taken care of.? My credit score has been a little low due to the fact that I don't really have any credit. I have had 1 credit card and that is it.? Have never had revolving credit, etc.? Thus it is hard for me to get a loan because I have no history.? The sad part is that I can never build a positve credit history if I am never given a chance to prove myself as a responsible bill paying citizen.??I just keep hoping that someone will take a chance on me so that I can prove to them I am worthy of their loan.?
Monthly net income: $
$1600? for myself.??My wife is $1840
Monthly expenses: $
??Housing: $ 689
??Insurance: $ 170
??Car expenses: $597
??Utilities: $ 120
??Phone, cable, internet: $130
??Food, entertainment: $ 400
??Clothing, household expenses $150
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476483
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1980 Debt/Income ratio: 19%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:25y 6m
Amount delinquent: $0 Total credit lines: 5 Occupation: Postal Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: Jimmymsg Borrower's state: Oregon Borrower's group: Vets helping Vets
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 56 ( 93% ) 680-699 (Latest)
Principal borrowed: $18,000.00< 31 days late: 4 ( 7% )  
680-699 (Aug-2010)
680-699 (May-2010)
660-679 (Aug-2008)
680-699 (Feb-2007)
 
Principal balance: $4,377.65 31+ days late: 0 ( 0% )
Total payments billed: 60  
Description
RE-List Medical needs with rest
Purpose of loan:
My wife has had several minor strokes. We have some rehabilitain? scheduled for her.We also ?would like to spend Christmas with our son and his family in Hawaii. We haven?t seen much of them since they moved over there. My wife?s health is slowly declining. I will not be able to retire for another 5 years. We really need to take this trip before her health declines any further.
I am a retired Master Sergeant with 27 years of service. I know the meaning of responsibility. When I say I will do something, I follow through and finish it. I believe I am a good risk. If you have any questions please ask. I will get back to you right away.

Thank you.?
Monthly net income: $ 4800

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 46
??Car expenses: $ 60
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 429
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476489
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $149.28
 
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): 6 First credit line: Oct-1989 Debt/Income ratio: 11%
Credit score: 620-639 (Sep-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:0y 5m
Amount delinquent: $303 Total credit lines: 13 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,086Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: databaseguy Borrower's state: NewHampshire Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 36 ( 95% ) 620-639 (Latest)
Principal borrowed: $4,340.00< 31 days late: 2 ( 5% )  
640-659 (Sep-2009)
600-619 (Aug-2009)
520-539 (Jun-2008)
520-539 (Nov-2007)
 
Principal balance: $1,105.52 31+ days late: 0 ( 0% )
Total payments billed: 38  
Description
Third Prosper Loan
My financial situation:

????One paid-off Prosper loan and one current (being paid off)

?????Low DTI ? more than adequate income to cover payments?

?????All Prosper loans are set up on auto-pay from my checking account

???? Consolidating all higher interest debt (this loan will be my only unsecured debt)

?????More than 20 years continuous employment in my field, recently?converted?from contract to salaried?so my official date of hire reset

I'm building new credit while repairing my problems from more than 6 years ago.? My credit score dropped back a little this summer?because I traded in my paid off 1998 Jeep for a 2005?and financed it. Still trying to remove one medical bill from my credit report? that went delinquent? during my move to the East coast - but original creditor has moved and the agency is waiting for OK to delete.? ? I?ve completed five IT certifications in the last year, plus my CAPM (Project Management) and hope to do four more in the next six months. I want to keep improving my skills to keep my income up and my job secure.

Purpose of Loan:

????Pay off all revolving balances - $ 1331

????Pay off prior prosper loan - $ 1137

????Career training ? MS Project certification and Software Quality certification (CSQA) - $ 840

Monthly net income: $ 4980

Monthly expenses:

????????Housing: $ 900
????????Car expenses: $ 360
????????Phone, cable, internet: $ 132
????????Food, entertainment: $ 365
????????Clothing, household expenses $ 115
????????Insurance $ 67

????????Total expenses: ??? $ 1939

Amount remaining monthly to pay new Prosper loan: $ 3041

Thank you very much for reviewing my loan request!????
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1999 Debt/Income ratio: 45%
Credit score: 640-659 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,672Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: unique007 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: 25 ( 100% ) 640-659 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
680-699 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Great opportunity!
Purpose of loan:
I want to Thank You for taking your valuable time to read my post. The purpose of this loan are to consolidates all my debts into one prosper
loan with lower interest and help my mom with a trip back to Vietnam to visit my 97 years old grandma. My monthly expenses are low since I live
in my mom house and bills are split among brothers.

My financial situation
If you look at my credit profile of my last prosper loan, everything was the same except for my bankcard utilization. It jumped so high because I had emergency fix on my auto transmission and medical bills. There are no guaranteed in life but you can be certain that this is as close as it get because I will pay this loan back as my previous Prosper loan. Please ask me any question! Why don't you help me today and in the process get a great return on it?

Monthly net income: $ 2400

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 250
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $ 10
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.79% Starting borrower rate/APR: 17.79% / 21.14% Starting monthly payment: $270.35
 
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: Jun-2003 Debt/Income ratio: 18%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,687Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: trustworthy-hope1 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
Responsible CC Consolidation
Purpose of loan:
Credit Card Consolidation

My financial situation:
I am a responsible 25 year old who used credit cards to finance college.? I just purchased my first home and I would like to get on the fast track to paying off my old credit card debt.? I have never had a late or missed payment.? My credit rating is lower due solely to high cc utilization and age of accounts.?

Monthly net income: $ 3,316

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 61
??Car expenses: $ maintenance only- no car payment
??Utilities: $ 500
??Phone, cable, internet: $ 130
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 450 minimum paymnents
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476503
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
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-2000 Debt/Income ratio: 51%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 7Length of status:5y 0m
Amount delinquent: $1,167 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: bid-enchilada Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
starting over
Purpose of loan:
This loan will be used to? start our life over.

Monthly net income: $ 3300.00

Monthly expenses: $ 2869
??Housing: $ 1113
??Insurance: $
??Car expenses: $ 436
??Utilities: $ 280
??Phone, cable, internet: $ included in utilities
??Food, entertainment: $ 360
??Clothing, household expenses $
??Credit cards and other loans: $ 280
??Other expenses: $ 400? daycare
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476513
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $90.38
 
Auction yield range: 13.79% - 17.00% Estimated loss impact: 14.95%  
Lender servicing fee: 1.00% Estimated return: 2.05%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1980 Debt/Income ratio: 34%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 12Length of status:12y 0m
Amount delinquent: $56 Total credit lines: 39 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,993Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: impressive-pound953 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
Medical Expenses/Car Repairs
Purpose of loan:
This loan will be used to pay for upcoming medical expenses and car repairs.

My financial situation:
I am a good candidate for this loan because?
My main intention is not to charge on my revolving credit cards so I can pay down my debit on revolving cards, close some of these accounts?and?maintain?a fair rating with credit bureaus at the same time. My pending upcoming expenses will be a hardship for me due to my monthly expenses?(paying monthly revolving credit cards) ?In addition I have had steady employment for many years.
Monthly net income: $ 1700.00

Monthly expenses: $
??Housing: $ 645.00
??Insurance: $ 56.00
??Car expenses: $ 20.00
??Utilities: $?75.00
??Phone, cable, internet: $?65.00??Food, entertainment: $ 120.00
??Clothing, household expenses $?50.00??Credit cards and other loans: $?550.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.79% - 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: Apr-1991 Debt/Income ratio: 12%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 20Employment status:Employed
Now delinquent: 1 Current / open credit lines: 23 / 21Length of status:14y 0m
Amount delinquent: $9,708 Total credit lines: 51 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $380,679Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: enriqueatp 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: 7 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
600-619 (Aug-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Bridge loan - debt consolidation
Purpose of loan:
This loan will be used to reorganize debts into a higher quality financing package.

My financial situation:
I am a good candidate for this loan because I have a strong credit history and significant cash assetts. These assetts will be used to further consolidate debt starting in Febuary 2011. This loan is needed as a short term bridge.

Monthly net income: $ 16,000

Monthly expenses: $
??Housing: $ 3000
??Insurance: $ 300
??Car expenses: $ 700
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $?1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476525
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.79% - 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: Sep-1997 Debt/Income ratio: 45%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 6Length of status:3y 5m
Amount delinquent: $1,977 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $606Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: determined-power4 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 card debt!
Purpose of loan:
This loan will be used to? payoff some credit card debt.

My financial situation:
I am a good candidate for this loan because? I am a 37 year old professional that fell behind because of an emergency and unplanned surgery.? I was off of work for an extended period of time and it hit my family and myself very hard.? I am desperately trying to get back on track, but just need a little extra to give us a boost.? My husband and I both work full time jobs and we have never denied our credit responsibilities.

Monthly net income: $8000.00

Monthly expenses: $
??Housing: $ 1579
??Insurance: $ 50
??Car expenses: $ 400
??Utilities: $ 500
??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 476531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.79% - 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: Aug-1998 Debt/Income ratio: Not calculated
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,685Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: excellent-auction5 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
Replacing a Fence
Purpose of loan:
With this loan I will be able to replace the fence at my recently purchased house. The fence came down due to wear and tear, and I'd like to put in a new one that will better withstand the test of time. I have the job spec'd and ready to build.

My financial situation:
I listed my employment as "Other" because I am both a doctoral student and small business owner. The bulk of my income is student loans ($24k/annually), and the remaining $8000 is from my small business. I am a good candidate for a loan because I am responsible and have consistent income.

Monthly net income: $1750

Monthly expenses: $1400
??Housing: $400
??Insurance: $100
??Car expenses: $300
??Utilities: $200
??Phone, cable, internet: $100
??Food, entertainment: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476533
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.79% - 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: 11%
Credit score: 620-639 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 2Length of status:3y 7m
Amount delinquent: $688 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,453Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: TALefkowitz Borrower's state: California Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 48% ) 620-639 (Latest)
Principal borrowed: $7,500.00< 31 days late: 13 ( 52% )  
620-639 (Jul-2008)
580-599 (Mar-2007)
 
Principal balance: $2,536.29 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
CASH CALL WANTS TO DESTROY ME...
My Story: For over 2 years, I was making payments on a CASH CALL loan. This high-interest loan was ruining any long-term financial flexibility I was planning for. In short, I made 30 monthly payments at $332 and had paid down ONLY $2,400. Basically, they were applying majority of each payment towards interest first (10 years at 44.5%, to be exact) before knocking off the principal. I took out a Prosper loan to swap out of this horrible company (that was robbing me). About one week ago, I received a call from a CASHCALL representative stating that I still owed $5000 from accrued interest and late fees. Obviously, I'm furious, but they have already to started to mark off delinquencies on my credit report.

Purpose: This loan will be used to pay CASH CALL (and the current balance on my Prosper loan) while I figure out other alternatives.

My financial situation: I have a job in TV at a huge media conglomerate and I've been able to pay off a good majority of my bills and pay down credit cards.

Monthly net income: $ 7500-$8000

Please note the following:

Monthly expenses: $ 2126/month

Housing: $ 500/month (split monthly rent with my roommate)
Insurance: $ 278/month
Car expenses: $ 498/month
Utilities: $ 50/month
Phone, cable, internet: $ 100/month
Food, entertainment: $ 500/month
Clothing, household expenses $ 200/month

Credit cards and other loans: $ 551 (but I?m been paying over the minimum)

Regarding my DELINQUENCIES: CASH CALL has threatened to ruin my credit. I?m extremely disappointed with the way they conduct business. I paid them off and now they want more. I have been trying to clean up this mess for years and now they are determined to destroy any progress I have made, thus the 9 (NINE) delinquencies that now show up in this posting.

Regarding my REVOLVING CREDIT: My girlfriend (of 6 years) had an AMEX Optima card issued in my name from her account (which has a $18,000+ balance). When you take such actions the credit bureau links that account to my credit report. That explains the influx in revolving balance. We?ve suspended the charging privileges and have paid the BALANCE DOWN TO $14,538.

CREDIBILITY: I?ve never missed a monthly payment on my current Prosper loan (that I?ve been locked into for almost 2 years). In fact, of late, I?ve been paying over the minimum.

Please put your faith in me as I try to figure this out. Thank you for reading.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476537
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.79% - 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-1970 Debt/Income ratio: 9%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:4y 0m
Amount delinquent: $644 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $4,782Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: enriching-rupee5 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards for me
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 476563
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1995 Debt/Income ratio: 12%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 8 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,211Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: pure-dedication4 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
Medical Bills Debt Consolidation
I am looking for a debt consolidation loan to pay off some medical bills. My son broke his arm a year and a half ago and we incurred some non insured medical expenses regarding physical therapy. We have been paying these bills off for the last year and a half. I have a good income and have worked out payment arrangement with these providers. I have been making all the payments on time as agreed. However, if I get a debt consolidation loan I can pay off these bills completely and have a smaller monthly payment then before.

I have a good income and have been on the same job for over 7 years. We just upgraded our medical insurance. I make over 10,000 a month and by getting this loan and paying off tis debt I will decrease my expenses by 100.00 a month.

Gross Income Per Month $10,000
Net Income Per Month $8.000

Rental $1,500
Auto Payment $ 630.00 However, I get reimbursed from my company as part of my compensation.
Medical Bills $ 500.00
Misc $500.00
Utilities $350.00
Information in the Description is not verified.