Listing Report:Supplement No. 50 dated Sep 22, 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 465998
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 25.79% Starting monthly payment: $37.16
 
Auction yield range: 16.79% - 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-2000 Debt/Income ratio: 6%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 7Length of status:10y 6m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,218Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: miriamw Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 36 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2007)
 
Principal balance: $0.05 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Fiance lost job wedding in 17 days
Purpose of loan:
This loan will be used to?pay off the last of our wedding on 10/09/10. Fiance lost his job & we've exhausted all of our other options.

My financial situation:
I am a good candidate for this loan because?Ive already paid off my?last loan?

Monthly net income: $ 4500

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 476412
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1984 Debt/Income ratio: 10%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,078Stated income:$100,000+
Delinquencies in last 7y: 14 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: ShaneTaylor 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
Quality Pet Delivery Service
Our plan is to create a High Quality Home Pet Food delivery service in the Central Texas (Austin ? Waco) area. We have studied and implemented the plans of an individual that first started this business in North Texas and has been very successful. The premium food we distribute is reasonably priced, but as good as or better than the high end foods in the pet stores. We have started building our customer base and have 25-50 clients at this time. We are in need of capital to do the advertising and brochure printing in order to get word out about our product and service.
This is a joint effort between my wife and me. She is a homemaker and watches over our 11 year old while raising Olde English Bulldogges. Mary?s involvement in the ?dog world? helps to raise awareness of our fledgling dog food delivery service. I work overseas and am well qualified to repay the loan on my own. We are asking for this loan to get a cash infusion so as to get our business up and running at full throttle.
Again, we have seen how this business works in the Dallas ? Ft Worth area and have every reason to believe that Austin, being the dog-friendly community that it is, is an untapped market with endless opportunity. We have secured a dependable source of supply and have the know-how and drive. All that is lacking is the initial cash infusion which will increase rate of growth, in turn increasing exposure and profit exponentially.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476466
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1984 Debt/Income ratio: 4%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:62y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: steady-truth7 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto loan
Purpose of loan:
This loan will be used to buy an automobile from a private party

My financial situation:
I am a good candidate for this loan because I work and will be receiving Social Security in October. We had to file bankruptcy last year for my husbands medical expenses. Monthly net income: $ 2100.00

Monthly expenses: $
??Housing: $ 545.00...we DO own our home
??Insurance: $ 40.00
??Car expenses: $ 120.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476478
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Dec-1994 Debt/Income ratio: 19%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 27 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,415Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: point-pine5 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying used car for family
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 476490
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $82.19
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Student - College J...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,685Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: cunning-value5 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying to see my significant other
Purpose of loan:
I am a college junior who is in a long-term relationship with a person thousands of miles away. I have not seen this person in almost a year. This loan will be used to pay for that trip.

My financial situation:
I am a good candidate for this loan because I have the financial resources to pay it back after a few months. I just not enough to pay for the plane tickets right now. All I want to do is see the person I love.

Monthly net income: $ 1,200

Monthly expenses: $
??Housing: $ 0 (I live in a dorm, which is payed for)
??Insurance: $ 0 (insurance is through my family)
??Car expenses: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476654
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1996 Debt/Income ratio: 41%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 8Length of status:0y 2m
Amount delinquent: $1,055 Total credit lines: 43 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,626Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: wampum-dreamer4 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
Twirling Dreams
Purpose of loan:
This loan will be used to open a twirling studio.

My financial situation:
I am a good candidate for this loan because I already have several existing students that I am teaching out of my home, who have committed to continue to take lessons.? I also have a number of parents and potential students inquiring into the possibility of taking lessons, but lack the facility to accommodate those requests.? I have a good business sense.? Despite the rating awarded me by Prosper, I have always been extremely diligent in guarding my credit.? Unfortunately, I am now going through a divorce, which has wreaked havoc on my finances.

Monthly net income: $ 2300.00

Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 150.00
??Car expenses: $ 454.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 85.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 60.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476660
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $519.98
 
Auction yield range: 10.79% - 14.00% Estimated loss impact: 10.11%  
Lender servicing fee: 1.00% Estimated return: 3.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1999 Debt/Income ratio: 64%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,436Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: Blipblip314 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 760-779 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
740-759 (Feb-2008)
 
Principal balance: $1,963.73 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Coming back for more!
Purpose of loan:
This loan will be used to? consolidate some existing revolving debt currently sitting on a bank-issued credit card at a high APR

My financial situation:
I am a good candidate for this loan because? I believe I have proven this with my?previous Prosper loan and have been self-employed for nearly 5 years.

Monthly net income: $ approximately $2800

Monthly expenses: $
??Housing: $ 450
??Insurance: $ 70
??Car expenses: $ 330
??Utilities: $? 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $?minimal
??Credit cards and other loans: $ 500
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476686
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $278.73
 
Auction yield range: 16.79% - 19.00% Estimated loss impact: 37.66%  
Lender servicing fee: 1.00% Estimated return: -18.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $828Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: webuyhosts Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 51 ( 100% ) 740-759 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
740-759 (Nov-2009)
740-759 (Oct-2009)
660-679 (Jul-2009)
640-659 (Apr-2009)
 
Principal balance: $4,146.78 31+ days late: 0 ( 0% )
Total payments billed: 51  
Description
4th loan thru prosper 740 score
Purpose of loan:
This is my 4th loan thru prosper, they have me at a HR rating but my credit score is over 740. If you look at my payment history you can see iam not an HR . This is my 4th loan thru prosper.We are using this loan to pay off the current open loan and finish off the septic system at our house.
My financial situation:
We are every finacially healthy havent been late on a payment in 10 years.?

Monthly net income: $
7000.00
Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 200
??Car expenses: $ 275
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476692
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 8.05% Starting borrower rate/APR: 9.05% / 11.14% Starting monthly payment: $89.10
 
Auction yield range: 3.79% - 8.05% Estimated loss impact: 3.52%  
Lender servicing fee: 1.00% Estimated return: 4.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1996 Debt/Income ratio: 4%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 9 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,368Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: payout-sniffer 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
Kicking Credit Cards to the Curb
Hi,

My name is Bill and I am a paralegal going to law school at night. Over last few semesters I have bought my books with credit cards along with a few other items; I love to ski. I am hoping to find a lower rate than the one I have on my cards right now so that I can make it easier on myself to get out of debt. I have a Fidelity Visa with a 13.99% APR that I owe $1,012.33 on.? I also have an AMEX with a $13.33% APR that I owe $1,783.72 on.? I am hoping to get a loan with an APR under 13% as it will make the fees worthwhile.

I have a steady job in the profession I am currently in school for and I am just hoping to work hard until I can use my advanced degree to get a better job. I promise you my monthly payments will not be a burden to me and it will be a pleasure to pay you back instead of the credit card companies that have been buying my books for me. If you check my debt to income ratio, you can see that this credit card debt is the only debt to my name thanks to very generous parents who paid for my college education.

Thank you for your time and I hope you will help me out!

Bill

Income:

My income varies month to month depending on how much overtime I work.? As a base, I make $20/hr for a 40 hour work week.? I also make time and a half after that.? I usually work 5-10 hours more.? If I don't work overtime, which almost never happens, I make $626.23 a week.

Expenses (a month):

Rent: $900 (includes water and heat)
Electricity: about $80
Transportation: $0? I live close enough to school and work that I can walk
Pharmacy: $30
Cell: $104
My roommate pays for cable.
My food and entertainment expenses vary but since I work and go to school I don't have that much free time on my hands.

Again, thank you for your time and perhaps loan.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476698
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1997 Debt/Income ratio: 15%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 8Length of status:0y 1m
Amount delinquent: $13,215 Total credit lines: 32 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,332Stated income:$100,000+
Delinquencies in last 7y: 12 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: gold-balance2 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
LOAND 15K
Purpose of loan:
This loan will be used to consolidate Credit Card Debt and get my financials back on track

My financial situation:
I am a good candidate for this loan because I hold a very stable job,and My income will be able to pay back the loan no problem

Monthly net income: $ 11,350

Monthly expenses: $
??Housing: $ 1200????
??Insurance: $ 224????
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $100
??Food, entertainment: $ 500
??Clothing, household expenses $1300
??Credit cards and other loans: $ 2500
??Other expenses: $ 1000????
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476704
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $184.92
 
Auction yield range: 10.79% - 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-1993 Debt/Income ratio: 22%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:20y 8m
Amount delinquent: $0 Total credit lines: 32 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,631Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: the-ecstatic-principal 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
Purpose of loan:
This loan will be used to consolidate credit cards to just 1 payment.

My financial situation:
I am a good candidate for this loan because I pay my bills. Always, and on time. You'll notice that I've closed my credit card accounts so you don't have to worry about?my debt getting?higher. If I get this loan, I'll be on easy street, payment wise!

Monthly net income: $ 4170

Monthly expenses: THESE EXPENSES ARE SHARED WITH MY WIFE:?
??Housing: $?1100
??Insurance: $ 100
??Car expenses: $350
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600+
??Other expenses: $ 200+
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2004 Debt/Income ratio: 8%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 4 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,601Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: serene-investment2 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
My personal loan for my business
Purpose of loan:
This loan will be used to? The loan will be used for the completion of?my website business and the marketing of the site. Marketing will consist of: mass mailing, mass e-mailing, and top placement in three major search engines. Completion of the site entails: completing 12 of 33 databases, testing the databases, and translating the site into 14 different languages.


My financial situation:
I am a good candidate for this loan because? What makes me a good borrower is that I live at my parents home and I have very little expenses. My job is very secure to the point where my company is not taking any new accounts on. As you can probably see in my credit, I have an excellent record of paying my bills on time.

Monthly net income: $ 3,546.40

Monthly expenses: $ 1,290.00
??Housing: $ 200.00
??Insurance: $ 40.00
??Car expenses: $ 200.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 0.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 850.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476169
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $117.61
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-1991 Debt/Income ratio: 25%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 4Employment status:Other
Now delinquent: 1 Current / open credit lines: 16 / 17Length of status:7y 0m
Amount delinquent: $1,975 Total credit lines: 39Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,942 
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: byrdy 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 You The Interest/Business
Purpose of loan: This loan will be used to consolidate debt and to continue with a line of police dogs.? My financial situation:? I am a retired federal employee. I share a house with two other roommates. Our combined total income is $7183 per month. My personal income consist of $2093 in retirement pay. We've divided up our household expenses as followed: I pay the utilities and my personal lines of credit and they pay the mortgage. We split the grocery costs. I only listed my portion of the bills. As you can tell most of my income goes into paying my credit lines. I have several little cards with balances of $300 to $500. This loan will pay them off.? I've already cut the credit cards up but I would like to pay off the balances so I can be done with them. I am a good candidate because I have 0 delinquencies in the last seven years and the one that says now delinquent has been taken care of.? I also plan to pay this loan off as soon as possible.? Plus I am tired of paying these big companies money.? I would rather pay you the interest.
Monthly net income: $? 2083

Monthly expenses: $ 1500
??Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $ 200
??Phone, cable, internet: $ 300
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476195
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 9.07% Starting monthly payment: $216.14
 
Auction yield range: 5.79% - 6.00% Estimated loss impact: 5.03%  
Lender servicing fee: 1.00% Estimated return: 0.97%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1997 Debt/Income ratio: 12%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 39 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,191Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: first-genuine-bid Borrower's state: Washington Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
780-799 (Oct-2009)
 
Principal balance: $740.56 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Home Improvement
My wife and I just recently purchased a new home and we are looking to make a few improvements to the property. We are looking to install a new deck in the back yard and put a fence. I am a good candidate for this loan because I have a very stable job do to the military and as you can see from my other prosper loan I pay my bills on time. My current net take home pay is $5900 a month and next year I'm scheduled to receive three pay raised do to a promotion, going over 12 yrs of service, and the annual military pay raise. At the end of this month the only debt that we will have is our house payment of $1400 a month, $1700 left on our TV, and $740 left on my other prosper loan. Feel free to ask any questions that you have and thank you for considering me.


??Insurance: $ 100

??Car expenses: $ 125

??Utilities: $ 75

??Phone, cable, internet: $ 175

??Food, entertainment: $ 250

??Child Support: $ 635

Both vehicles are payed for and my credit card will be payed off before the end of this month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1991 Debt/Income ratio: 44%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 47 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $48,954Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: soulful-euro0 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
Help! I need a loan for my fall sem
My financial situation:
I am a good candidate for this loan because as you can see I pay my bills. Always, and on time.

Monthly net income: $ 5500

Monthly expenses: $?3300
??Housing $900
??Insurance: $100
??Car expenses: $100
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $450
??Clothing, household expenses $200
??Credit cards and other loans: $1100
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476493
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1995 Debt/Income ratio: 85%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,446Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: harmonious-trade0 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
New Hair Salon for Spouse
Purpose of loan:
This loan will be used to?
Start a New Business
My financial situation:
I am a good candidate for this loan because?
I pay my bills ontime
Monthly net income: $
4500.00
Monthly expenses: $
??Housing: $ 843.00
??Insurance: $ 200.00
??Car expenses: $765.00
??Utilities: $ 350.00
??Phone, cable, internet: $300.00
??Food, entertainment: $ 175.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?300.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476497
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 10.79% Starting borrower rate/APR: 11.79% / 15.02% Starting monthly payment: $182.13
 
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): 7 First credit line: Jul-2007 Debt/Income ratio: 11%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,769Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: flexible-dedication8 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
new business venture
Purpose of loan:
this loan will be used to help fund a new business venture
My financial situation:
I am a good candidate for this loan because? I can guarantee you that your money will be paid back in the amount of time given and possibly even sooner. We have three other employers who will help fund this loan so it is in safe hands.

Monthly net income: $ 1800

Monthly expenses: $ 0
??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 476505
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.79% Starting borrower rate/APR: 14.79% / 18.08% Starting monthly payment: $172.81
 
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): 5 First credit line: Nov-1995 Debt/Income ratio: 78%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 19 / 16Length of status:10y 9m
Amount delinquent: $0 Total credit lines: 32Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,855 
Delinquencies in last 7y: 4 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: vigorous-openness2 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
Reducing Gas Comsumption Safely
Purpose of loan:
This loan will be used to?purchase a trike conversion kit so I can safely ride my motorcycle.? I got a great deal on a used bike, but injured myself in bike training class, so I decided I should convert the bike so I won't have to worry about falling over.

My financial situation:
I am a good candidate for this loan because? I consistently pay on time and my purchase will benefit other family members who are willing to assist me with repayment of this loan and my other expenses.

Monthly net income: $?1000.00

Monthly expenses: $ 700.00
??Housing: $ 0
??Insurance: $ 45
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 210
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476557
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1983 Debt/Income ratio: 39%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $51,547Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: shooter0 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
Operating Cash For business expansi
Purpose of loan:
This loan will be used to? Expand business

My financial situation:
I am a good candidate for this loan because? I am 100% commited to the sucess of my company

Monthly net income: $ 4250.00

Monthly expenses: $ 3050.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476657
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $216.91
 
Auction yield range: 16.79% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1993 Debt/Income ratio: 38%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 29 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $45,583Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: zone437 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to? pay down some credit card bills and close some credit card accounts????

My financial situation:
I am a good candidate for this loan because? I pay my bills on time and just want to lower what is coming out of my check monthly

Monthly net income: $ 4,000 - 6,000

Monthly expenses: $
??Housing: $ 1,305
??Insurance: $ 78.96
??Car expenses: $ 588.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 160.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100
??Credit cards and other loans: $?2,000
??Other expenses: $ 180 (braces)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $173.33
 
Auction yield range: 13.79% - 14.00% Estimated loss impact: 14.80%  
Lender servicing fee: 1.00% Estimated return: -0.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-2003 Debt/Income ratio: 14%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 8Length of status:4y 3m
Amount delinquent: $426 Total credit lines: 17 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,995Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: important-compassion8 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
This loan will be used to? consolidate credit cards

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476669
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $287.66
 
Auction yield range: 10.79% - 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: Jul-1993 Debt/Income ratio: 52%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:43y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,347Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: velocity-flute 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
Credit card paydown
Purpose of loan:
This loan will be used to pay down & consolidate credit cards

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

Monthly net income: $ 5200

Monthly expenses: $?3000
??Housing: $ 1200
??Insurance: $?100
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $200
??Credit cards and other loans: $ 800
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476675
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $121.33
 
Auction yield range: 10.79% - 14.00% Estimated loss impact: 10.11%  
Lender servicing fee: 1.00% Estimated return: 3.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1991 Debt/Income ratio: 9%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 3Length of status:12y 0m
Amount delinquent: $6,355 Total credit lines: 27 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,651Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: chadkan Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Mar-2008)
 
Principal balance: $451.88 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
paying off high interest credit
Purpose of loan:
pay off high interest credit card, you make the interest not them!
My financial situation:
I am a good candidate for this loan because I have always paid my bills back on time .??I believe, if someone loans me money, I have the
moral responsibility to pay it back.? The amount that my credit shows delinquint is not correct.? I have contacted the credit agency about this.? I am on time on all my payments.
Monthly net income: $? 2100

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 60
??Car expenses: $0
??Utilities: $ 120
??Phone, cable, internet: $ 80
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476695
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,250.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.3%  
   
 
Starting lender yield: 6.85% Starting borrower rate/APR: 7.85% / 8.19% Starting monthly payment: $195.42
 
Auction yield range: 2.79% - 6.85% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1996 Debt/Income ratio: 18%
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.I work for a company called The Palladium Group, so I do a lot of traveling and all my expenses during the week are paid for.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476701
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.46% Starting monthly payment: $61.64
 
Auction yield range: 10.79% - 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: Nov-1993 Debt/Income ratio: 4%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 4 / 2Length of status:1y 7m
Amount delinquent: $1,028 Total credit lines: 19 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $262Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: value-treaty 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
car expensives
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.