Listing Report:Supplement No. 53 dated Sep 23, 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 418024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 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: 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: Dec-2000 Debt/Income ratio: 47%
Credit score: 620-639 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,322Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: the-starter Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 620-639 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2008)
 
Principal balance: $2,947.07 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Trade School Tuition
Purpose of loan:
This loan will be used to? trade school certificate
My financial situation:
I am a good candidate for this loan because? I am financially responsible, pay my bills on time.

Monthly net income: $ 2000.00
Monthly expenses: $?
??Insurance:? $ 61.00
??Car expenses: $ 223.00
??Phone, cable, internet: $ 160.00
??Food, entertainment: $100.00
??Clothing, household expenses $?50.00
??Credit cards and other loans: $?249.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 471762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.15% / 18.34% Starting monthly payment: $528.47
 
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: Jan-2000 Debt/Income ratio: 40%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,033Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: benevolent-moola5 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
Help me live debt free
Purpose of loan:
This loan will be used to pay off credit debt accumulated in college. My husband and I each graduated 5 years ago, have had steady teaching positions and have been doing our best to pay down our credit debt. We rarely use the credit cards now, but after trying for 3 years to pay down our debt, we have realized we need a new strategy. We are sticking to a monthly budget and are realizing that a steady payment with a fixed interest rate will allow us to achieve our goal of being free from credit card debt.

My financial situation: We are both completing our master?s degree while teaching full time. This has increased our income by approximately $7,000 for this coming year. We have no problems paying our monthly bills and are sticking to a monthly budget.
I am a good candidate for this loan because I am always on time when it comes to paying bills. When my husband and I joke about coming into a large sum of money, the first thing we always talk about is having the ability to live debt free. Getting rid of this credit card debt is the first step toward achieving our dream.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476160
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-1993 Debt/Income ratio: 28%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,914Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: tremendous-listing860 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
Credit Cards & Medical Bills Oh My!
Purpose of loan:
This loan will be used to? pay off credit card debts and medical bills for my daughters 8th surgery in 8 years.

My financial situation:
I am a good candidate for this loan because? even though I was forced to file bankruptcy over 7 years ago due to a divorce, I have worked extremely hard to get my credit back to good standing and keep it that way. I don't intend to let my hard work go to waste now.

Monthly net income: $ 2,572

Monthly expenses: $ 2,020
??Housing: $ 800
??Insurance: $ 70
??Car expenses: $ 120
??Utilities: $ 200
??Phone, cable, internet: $ 30
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476550
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $185.82
 
Auction yield range: 10.79% - 19.00% Estimated loss impact: 10.25%  
Lender servicing fee: 1.00% Estimated return: 8.75%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-2002 Debt/Income ratio: 14%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 10 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $197Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: joshertm Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 17 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2008)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 17  
Description
Consolidating debt, building credit
Purpose of loan:
This loan will be used to consolidate debt owed to family and to help repair and build my credit back to where it belongs.

My financial situation:
I am a good candidate for these loans because I am military enlisted and receive a steady monthly income so making payments is not an issue. Although my credit score is less than desirable, it will not affect my ability to make payments on time. My monthly expenses are next to nothing because of my enlistment in the US military. As mentioned above the purpose of the loan is to consolidate a few debts owed to family and to help repair my credit. I have borrowed from Prosper in the past with no problems and look forward to another pleasant experience.

Monthly net income: $ 1447.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 20
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 50
??Other expenses: $ 50-100Best regards to all who consider this request and thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476556
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: 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: $277.91
 
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: Apr-1979 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,514Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: deal-doctor3 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
Putting in new hardwood flooring!
I am a 24 Year old guy with a Masters in Accountancy and am currently attending Law School. The picture is from my recent wedding! We have decided to remodel the second floor of our home and want to put in new hardwood flooring. We are excited about the process and hope to get some great bids on Prosper! The main thing I would like to put on here is that the debt they have listed for me is not right at all and I have credit reports to show it. I have a car loan with a monthly payment of $330, but other than that I have 0 debt. I do not have ANY credit card debt AT ALL! The cards that show are my Dad?s American Express cards than I am an Authorized user of (I have a card for emergencies). His outstanding balance shows on my report, but it also says ?authorized user? which means I am NOT responsible for it. I have a trust income of $2500 (no taxes taken out at all) per month and own my own home. Hopefully my excellent credit score will show you I am being truthful! Also, look at where is says my credit began in 1979?I wasn?t even born then, which should further assure you that those are my Dad?s business accounts. Also I am not sure why it says I don't own my home. I do own my home, I just have no payments. I guess because it thinks I don't own my home because there is no mortgage. The only fixed bill I have is the $330 car payment. Let me know if you have any other questions.

I basically have $2000 a month or so in disposable income. The only bills I have are utility bills. All insurance and other expenses are paid through a family business.

I am a great candidate for this loan because I have the cash to do this right now, but I want to keep that as my emergency fund. I have a great net worth/credit score for my age and the only reason I am not an AA is because I am still in school and I am an authorized user on my Dad's accounts.

Thanks again!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476562
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 3.79% Starting borrower rate/APR: 4.79% / 6.83% Starting monthly payment: $448.15
 
Auction yield range: 3.79% - 3.79% Estimated loss impact: 3.49%  
Lender servicing fee: 1.00% Estimated return: 0.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jul-2004 Debt/Income ratio: 16%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,214Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: worldly-greenback0 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
Home Improvement
Purpose of loan:
This loan will be used to make home improvement ?

My financial situation:
I am a good candidate for this loan because I have a good paying job and good credit history. My credit history clearly reflects that? I have repaid every loan with first priority
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476580
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,577.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.77% Starting borrower rate/APR: 34.77% / 38.71% Starting monthly payment: $71.13
 
Auction yield range: 13.79% - 33.77% Estimated loss impact: 15.76%  
Lender servicing fee: 1.00% Estimated return: 18.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-2005 Debt/Income ratio: 25%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 7 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,354Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: RMI_Babylon 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 Tires/Paying Off Credit Card
Purpose of loan:
This loan will be used to buy four new tires and to pay off a credit card.

1. My current tires are beginning to be bare and I'm looking to replace them before it starts raining. Estimated $600-800 for a set of 4.

2. The Credit Card I want to pay off is a Chase Card at $455 (27% APR). After the new credit laws came in they canceled my card even though I never missed a payment or over drafted. I simply want to be done with them and pay interest to someone more deserving. I normally pay about $20/month on this card.


My financial situation:
I am a good candidate for this loan because I have never missed a payment and am financially stable.

I have worked for my current employer for almost 2 years and there is no chance of me losing my job because we are always hiring new staff. In case you're wondering, I work with children with Autism and the reason for the turnover is that most people can't handle it. I on the other hand love my job and will be there until I can move onto something greater.

Before you bid on my listing, know that the money will always be ready in my bank account to pay the Prosper loan.

Monthly net income: $? 1,200

Monthly expenses:
? Housing: $ 250
? Insurance: $ 0
? Car expenses: $ 80
? Utilities: $ 0
? Phone, cable, internet: $ 50
? Food, entertainment: $ 240
? Clothing, household expenses $ 0
? Credit cards and other loans: $ 190
? Other expenses: $ 0

Total: $810

I have fairly low monthly expenses because I am currently living with my family.

Feel free to ask any questions, thanks for bidding :)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476598
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1995 Debt/Income ratio: 124%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 14Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,061 
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: agreement-recorder 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 debts
Purpose of loan:
This loan will be used to? to pay off debts

My financial situation:
I am a good candidate for this loan because? i am honest and want to clear my debts

Monthly net income: $ 1007.40

Monthly expenses: $
??Housing: $ 410
??Insurance: $ 205
??Car expenses: $ 120
??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 476670
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 10.08% Starting monthly payment: $470.05
 
Auction yield range: 3.79% - 7.00% Estimated loss impact: 3.51%  
Lender servicing fee: 1.00% Estimated return: 3.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1996 Debt/Income ratio: 7%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 44 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,893Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: brigade5 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
Consolidation Purposes
Purpose of loan:
This loan will be used to consolidate other loans.?

My financial situation is excellent:? The revolving credit balance you see is is actually incorrect and is much lower now.? I think it may take a little bit for Experian to catch up.

I am a good candidate for this loan because? I have never been late on any payment ever!!!? I use the ATM machine for deposits. I am A paper all the way. My income is very stable and 100% verifiable as the IRS will tell you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476714
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $472.58
 
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: Sep-1975 Debt/Income ratio: 58%
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,182Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: good-payer Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
want to make some moeny?
Purpose of loan:
The purpose of this loan is?to pay off some debt?

My financial situation:
I am a good candidate for this loan because?my?credit is good.?I make my payments early and more than the minimum payment each month.Pprosper?has me at a ten percent risk but as you can see?I dont have any?deliquencies on my credit.?I consider myself no risk.?

Monthly net income: $ 2500 and my husband makes about 40,000 a year

Monthly expenses: $
??Housing: $?husband pays
??Insurance: $ 0
??Car expenses: $0
??Utilities: $ 0
??Phone, cable, internet: $ 0?
??Food, entertainment: $ 0
??Clothing, household expenses $ husband pays
??Credit cards and other loans: $?500
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476722
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 12.61% Starting borrower rate/APR: 13.61% / 15.76% Starting monthly payment: $475.84
 
Auction yield range: 3.79% - 12.61% Estimated loss impact: 3.55%  
Lender servicing fee: 1.00% Estimated return: 9.06%  
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): 9 First credit line: Nov-1995 Debt/Income ratio: 13%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 18 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,279Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: balance-harmony 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
MBA Shrunk Savings/Relocate New Job
Purpose of loan: Used $50K savings to pay for MBA. Graduated 12/08. Best investment made, but strain on savings. Will use loan to consolidate revolving CC debt & add $1k per mo to rebuild savings. Thanks for your funding consideration!

Financial situation: Laid off 11/09-holiday season, but found better job 3/10 in NV, hence reason for relocate & added 2nd home expense. Great income: $120k annual, 25% bonus & $56k annual trust income. Bought IL home 9/06; accelerated paymts 4 yrs; addl $19k equity ($60k total). Co will pay moving expense when IL home sells, but responsible for expenses thus far. Debt due to 2nd home exp, moving essentials, furnished home deposits, 5-mo COBRA paymts.
Monthly Income=$11,200 Monthly Expense IL & NV=$9,701
Breakdown=IL=Mort/Ins=2066; Prop Taxes=613; Util/trash/H2O=180; Yard=200
Breakdown=NV=Furnished Rental=2200; Util=300; Int/Cable/Cell=216; Car Notes=1064; Car Ins=202; Food/Enter=800; Misc=300; CC(Mine/Wife's)=1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 22.68% Starting monthly payment: $35.65
 
Auction yield range: 13.79% - 16.00% Estimated loss impact: 14.90%  
Lender servicing fee: 1.00% Estimated return: 1.10%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1980 Debt/Income ratio: 31%
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
Car Repairs
Purpose of loan:
This loan will be used to pay for 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 476734
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.79% - 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): 5 First credit line: Feb-2007 Debt/Income ratio: 12%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,842Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: the-urbane-truth Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my Credit Cards
Purpose of loan:
This loan will be used to? pay of my high intrest credit card biils

My financial situation:
I am a good candidate for this loan because i have fair score and never missed payments?

Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 150
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476750
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.99% Starting borrower rate/APR: 29.99% / 34.01% Starting monthly payment: $63.67
 
Auction yield range: 10.79% - 28.99% Estimated loss impact: 11.53%  
Lender servicing fee: 1.00% Estimated return: 17.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $45,993Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: dime-futurist Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Credit Card Debt
Purpose of loan:
This loan will be used to consolidate?a credit card that is at a higher min. payment and pay off a personal loan.

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

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

Monthly net income: $ 3600

Monthly expenses: $ 1650 (approx.)
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $ 150 (Regular maintenance, gas, etc)
??Phone, cable, internet: $ 200 ( I have a blackberry with a lot of minutes and unlimited data, need it for my job)?
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 900
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476764
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $301.18
 
Auction yield range: 10.79% - 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: Aug-2004 Debt/Income ratio: 30%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $761Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: desbynac 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: 27 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2010)
640-659 (Dec-2009)
620-639 (Jun-2008)
 
Principal balance: $1,894.76 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
consolidate small business
Purpose of loan:
This loan will be used to? finish my paint boot

My financial situation:
I am a good candidate for this loan because? i have very good experience with prosper .in 3years i?acquired an excellent payment record...??

Monthly net income: $ 2500

Monthly expenses: $ 1400????????
??Housing: $ 0????
??Insurance: $ 120
??Car expenses: $ 100
??Utilities: $ 184
??Phone, cable, internet: $ 80
??Food, entertainment: $ 250
??Clothing, household expenses $ 170
??Credit cards and other loans: $ 350
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.79% - 24.00% Estimated loss impact: 37.98%  
Lender servicing fee: 1.00% Estimated return: -13.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Nov-2004 Debt/Income ratio: 81%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,434Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: ingenious-commitment27 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying an established business
Purpose of loan:
This loan will be used to put some money down on an established full service pet business (retail store, dog day care, boarding, grooming) in a small town of beautiful Colorado. Low overhead, fantastic loyal clientele, no competition.

My financial situation:
I am a good candidate for this loan because I am responsible, devoted to what I do in life, dedicated and passionate about my lifetime goals.
I have lots of experience in retail services management and variety of marketing strategies plus experience with web design. I would like to get a chance to get ahead in life and run a small yet successful Dog Day Care and carry on to provide great services to past and current clients current owner has (they are going to retire soon) taken care of for years. My husband and I treat our clients/partners with respect and integrity at all times. This would be a perfect opportunity for both of us. Loan would be paid off as agreed on regular monthly basis. I could provide references.

Monthly net income: $

Monthly expenses: $
??Housing: $ 830
??Insurance: $ 230
??Car expenses: $ 1000
??Utilities: $ 200
??Phone, cable, internet: $ 60
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1988 Debt/Income ratio: 2%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 2Length of status:15y 2m
Amount delinquent: $9,457 Total credit lines: 11 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $199Stated income:$50,000-$74,999
Delinquencies in last 7y: 56 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: diligent-rate9 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
Short Term Retirement Fund Loan
Purpose of loan:
This loan will be used to? buy back time in my long-term city job in order to increase my monthly pension. This loan is GUARANTEED by the proceeds of my NYCERS pension disbursement which will be taking place within 3-4 months.?I just need this money up front to complete my retirement process.

My financial situation:
I am a good candidate for this loan because the amount I am requesting is going to be paid back to me in 3-4 months. I AM WILLING TO ASSIGN THE PROCEEDS OF THIS DISBURSEMENT TO GUARANTEE THIS LOAN.

Following is my monthly budget to show that I am able to make my loan payments in a timely manner.

Monthly net income: $ 3300

Monthly expenses: $ 1755
??Housing: $?875
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 130
??Phone, cable, internet: $ 200
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 500

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476780
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1994 Debt/Income ratio: 18%
Credit score: 780-799 (Aug-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:20y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,404Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: community-monster3 Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from 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 revolving credit debt
Purpose of loan:
This loan will be used to?
pay off revolving credit debt
My financial situation:????????????????????????????????????????????????????????????My purpose for the loan, is to pay off revolving credit debt.? I will authorize prosper to deduct monthly payments from my established checking account on the day it is due.
I am a good candidate for this loan because?????????????????????????????????????????????
I keep my credit in good standings??????????????????????????????????????????????????
Monthly net income: $ 7,500?????????????????????????????????

Monthly expenses: $ 3,100 Total (including mortgage)
??Housing: $
??Insurance: $
??Car expenses: $?non-applicable
??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 476788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Apr-1995 Debt/Income ratio: 28%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:32y 3m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,210Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: cash-kitten8 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
A friend in need - HELP!!!!
Purpose of loan:
This loan will be used to? pay off a debt owed by a friend.? They are unable to secure a loan.? Their curent loan rate is almost 100% a year!!!

My financial situation:
I am a good candidate for this loan because? I have over 500 a month in Disposable income?to pay this loan..In addition, my friend will be making monthly payments to me to cover the cost of this loan.? I am also married.? My wife makes $35,000

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 1500????????
??Insurance: $ 190
??Car expenses: $ 320
??Utilities: $ 120
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Jul-1993 Debt/Income ratio: 50%
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 have a good score and I always pay.

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 476816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1998 Debt/Income ratio: 48%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:16y 4m
Amount delinquent: $0 Total credit lines: 19 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,506Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: worth-pal4 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
"Paying off my loans and bills"
Purpose of loan:
This loan will be used to consolidate these little loans that I have spread out through out the month into one payment and some bills I fell behind on.

My financial situation:
I am a good candidate for this loan because have a decent credit history. The only reason I need this loan is to finally get caught up. I have recently been divorce, and that has set me back alot.

Monthly net income: $
2300
Monthly expenses: $
??Housing: $ 350
??Insurance: $ 120
??Car expenses: $500
??Utilities: $ included in my rent
??Phone, cable, internet: $ 160
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 920
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476824
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $246.56
 
Auction yield range: 10.79% - 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: Mar-2000 Debt/Income ratio: 2%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 6 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: discrete-dollar4 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
Business Expense Loan
Purpose of loan:
This loan will be used to cover business expenses

My financial situation:
I am a good candidate for this loan because I have a high yearly income.

Monthly net income: $ 10500

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 130
??Food, entertainment: $ 1600
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 0
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $410.94
 
Auction yield range: 10.79% - 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: Oct-2000 Debt/Income ratio: 30%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,772Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: DMODE 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
Need to finish college!!!
Purpose of loan:
This loan will be used to pay off my credit card debt

My financial situation:could be better with your help
I am a good candidate for this loan because I have a stable job and will be able to make payments on time!

Monthly net income: $1148

Monthly expenses:
??Housing: $500
??Insurance: $
??Car expenses: $0
??Utilities: $250
??Phone, cable, internet: $100
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $9000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.8%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.67% Starting monthly payment: $60.24
 
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): 8 First credit line: Mar-1992 Debt/Income ratio: 10%
Credit score: 620-639 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 7Length of status:18y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $19,657Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: snobes Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 67% ) 620-639 (Latest)
Principal borrowed: $1,500.00< 31 days late: 10 ( 28% )  
620-639 (May-2007)
620-639 (May-2007)
620-639 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 2 ( 6% )
Total payments billed: 36  
Description
Paying off Payday Lending Traps
Purpose of loan:
This loan will be used to pay off my payday loans.? With the crazy interest charges they?charge I found myself in a horrible cycle of taking out another payday loan to pay the interest due from payday loans I already had out and I just can't catch up and pay them off, I need help!

My financial situation:
I am a good candidate for this loan because I have already had 1 loan through Prosper and paid that off on time as scheduled.

Monthly net income: $ 45,000

Monthly expenses: $
??Housing: $ 1,000
??Insurance: $?100
??Car expenses: $?200
??Utilities: $?250
??Phone, cable, internet: $?250
??Food, entertainment: $400?
??Clothing, household expenses $300?
??Credit cards and other loans: $300
??Other expenses: $ Payday loan interest 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476842
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 7.10% Starting borrower rate/APR: 8.10% / 10.18% Starting monthly payment: $392.28
 
Auction yield range: 3.79% - 7.10% Estimated loss impact: 3.51%  
Lender servicing fee: 1.00% Estimated return: 3.59%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1993 Debt/Income ratio: 20%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,917Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: BigTallChris Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from 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 My Credit Card Rate
Purpose of loan:
This loan will be used to reduce the interest rates that I'm currently paying on a couple of credit cards.? Both cards are currently at 10.24% with a combined balance of $12,500.? The requested initial borrowing rate (of 9.10%) is not much lower than the current card rates, but I'm hoping the my requested rate will get bid down a little.? Because this is a consolidation loan, my monthly payment amounts will not be increasing.? As you can see by my credit history and score, I am an excellent borrower.? This will be an income-generating loan for anyone who successfully bids on it!

My financial situation:
I am a good candidate for this loan because I have an excellent credit history and an excellent credit score.? I have never had a delinquency!? I have been employed by the State of Alaska for over 10 years.? I am a homeowner, and I very recently re-financed my mortgage to a very low 4% rate on a 15-year loan.? I set up all of my payments to be made through scheduled electronic transfers (when possible), so I never miss any payments, thus the perfect no-delinquency record.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476848
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $410.94
 
Auction yield range: 10.79% - 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: Sep-2003 Debt/Income ratio: 9%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,811Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: income-delight9 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
Wedding
Purpose of loan:
This loan will be used to cover the expenses for my quickly approaching dream wedding!!

My financial situation:
I am a good candidate for this loan because I have a very low income to debt ratio and stable high paying job.

Monthly net income: $ 9000

Monthly expenses: $ 2,000
??Housing: $ 1085
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 115.00
??Phone, cable, internet: $ 0
??Food, entertainment: $?500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: May-2006 Debt/Income ratio: 24%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 7 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,610Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: pragmatist784 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I have never payed ANYTHING late
Purpose of loan: I would like to pay off my credit card after incurring rental rehab expenses. Why I would make a good candidate:I would like to start out by telling you a little about myself. I have always worked hard and believe you can do anything if you want it bad enough. Once I have a goal, I will never give up until I have results. They told me that I would never be able to purchase a rental property while I was in college. Six months later I stood in front of my rental property and laughed. I have since worked hard to rehab my property and currently have 2 long term tenants. I am nearing my last year of school and have 1.5 years of successful property management under my belt. I have NEVER defaulted or been late on any loan in my life. Monthly Gross income: $2550Monthly expenses: $1679 Mortgage: $742 (Insurance Included & Property Taxes) Car Insurance & Gasoline: $200 Utilities: $ 145 Phone, cable, internet: $125 Food, entertainment: $ 100 Clothing, household expenses $50 Credit cards and other loans: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476864
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% / 32.07% Starting monthly payment: $312.26
 
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-2006 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 22Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,299 
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: point-venus 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
Starting up NEW business
Purpose of loan:
This loan will be used to help me get started up in my new business. My dream and goal is to open up a western wear store in my home town, everyone here is mainly involved in farming or ranching or likes the style. We used to have a western wear store here years ago but they retired and shut the store down. This will be a great business venture for me and my town, I have been working on the business plan since last fall and it was completed this last spring and we have been working with lenders all summer. I am trying to find someone to believe in me and my business and help me get the start up money going I am a young woman just recently graduated from college and hoping to accomplish my dream and own a striving business.

My financial situation:
I am a good candidate for this loan because I work hard, I never give up, I am great with people and I have a lot of support helping me with the business.

Monthly net income: $ 2200.00

Monthly expenses: $
??Housing: $ None
??Insurance: $ 45.00
??Car expenses: $?475.00
??Utilities: $ 300.00?
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ None
??Credit cards and other loans: $ 3,300.00
??Other expenses: $ None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 444653
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $156.34
 
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: May-1995 Debt/Income ratio: 11%
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $495Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: mitcha1 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 4 ( 100% ) 780-799 (Latest)
Principal borrowed: $6,150.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2008)
740-759 (May-2008)
680-699 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Pay off 401K Loan.
undefinedundefinedundefinedundefinedundefined Purpose of loan:
This loan will be used to pay off a 401K Loan I used to remodel my kitchen. I would just pay it off faster, but you have to have a lump sum to pay off 401K loans.

My financial situation:
I am a good candidate for this loan because I have a stable job and very few bills.

After tax income:? $3046.00
Auto payments:? $381
House payment including tax and insurance:? $645.00
Utilities:? $212.00
Groceries:? $450.00
Gas ECT:? $300
That leaves $1058 to pay the loan.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 470133
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,760.00 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: $79.62
 
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-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,476Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: payment-mandolin6 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
Money for business project
Purpose of loan:
This loan will be used to improve my company's website, graphics and marketing materials.? We are developing a line of US produced foods that will be available for export to Asia and Latin America.? The money will also be used to create product labeling and for translation of the site into Chinese and Spanish.

My financial situation:
I am a good candidate for this loan because I have never defaulted on any loan and feel it is my moral obligation to pay off all personal or company debt.? I am using Prosper for the first time, and am excited about this opportunity because I would much rather borrow from my peers than do business with large banking institutions.? I hope to use Prosper in the future for similar business projects, and want to prove to the Prosper community that I am a worthy borrower.?

A note about my credit profile.? I checked my credit score today through Experian and it is a 688.? As you can see, I do have a 100% bank utilization, however many of my bank cards will be paid down in January 2011 with cash coming in at the start of the year.? But I want to move forward with this business project before the end of the year and need $1,760 to do it.?
 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476445
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $157.26
 
Auction yield range: 2.79% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1980 Debt/Income ratio: 8%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 32 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,613Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: BTRLender Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Equipment upgrade for business
Purpose of loan:
For years I have been recording oral histories of seniors as a legacy for their children and generations to come. I recently purchased new HD Camera and laptop so to provide HD footage and capability to provide content on BluRay DVD. I bought the equipment on credit card and am looking to Propsper for a lower rate. I have a great credit rating and am a Prosper Lender. I figure why not use the system I participate in!
My financial situation:
I am a good candidate for this loan because I have excellent credit and always pay my bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
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: Feb-2001 Debt/Income ratio: 13%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,689Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: cordial-wampum2 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?pay off some of my credit card debts ($500 for CapitolOne and remaining will go towards Bank Of America credit card) just need to catch up on my debts.

My financial situation:
I am a good candidate for this loan because?I have a stable job, steady income, low debt ratio in addition never late on payments

Monthly net income: $
$3200/monthly
Monthly expenses: $
??Housing: $ 1130 (Rent)
??Insurance: $
??Car expenses: $ Paid Off
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ None
??Credit cards and other loans: $ 500
??Other expenses: $ None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476529
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 13.79% - 34.00% Estimated loss impact: 15.77%  
Lender servicing fee: 1.00% Estimated return: 18.23%  
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: Oct-1968 Debt/Income ratio: 7%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:28y 3m
Amount delinquent: $0 Total credit lines: 26Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: sturdy-duty 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 debts
Purpose of loan:
This loan will be used to? pay off debts and medical bills

My financial situation:
I am a good candidate for this loan because? i have a steady monthly income

Monthly net income: $3,720.80

Monthly expenses: $
??Housing: $925
??Insurance: $
??Car expenses: $
??Utilities: $50
??Phone, cable, internet: $180
??Food, entertainment: $300
??Clothing, household expenses $40
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476553
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 32.59% Starting monthly payment: $92.19
 
Auction yield range: 13.79% - 28.00% Estimated loss impact: 15.48%  
Lender servicing fee: 1.00% Estimated return: 12.52%  
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): 6 First credit line: Dec-1999 Debt/Income ratio: 19%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $981Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: 3WoodenWives Borrower's state: Ohio Borrower's group: AA-C Rated Borrowers
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
680-699 (Aug-2010)
680-699 (Jul-2007)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Help me get up and out!
I?m looking to consolidate what little debt I have and put the rest toward upcoming medical expenses.? With those burdens out the way, I will be able to focus my disposable income mainly on my upcoming educational goal (I plan on starting Toledo University as an Environmental Studies major early next year).? With my last prosper loan, I made every payment on time, and in general I keep my expenses to a minimum, so I foresee no problem paying off this one.? I aim to pay this one off sooner, rather than later - I'm shooting for under 12 months.? This money is really going to take some weight off my shoulders, and I would appreciate any help toward reaching my goal.? Thank you.


Expenses:

$152/month for health insurance
$30/month for car insurance
Approx. $200-300/month for food
Approx. $20-30/ week for gas
I currently live at home and have no rental payments, nor do I have any cellphone, cable, or internet bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476559
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,700.00 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: $61.28
 
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: Dec-2000 Debt/Income ratio: 46%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:10y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,596Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: aschac05 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 24 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
720-739 (Feb-2010)
660-679 (Jul-2009)
660-679 (Apr-2009)
640-659 (Jul-2008)
 
Principal balance: $852.20 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
paying off previous loan and cc
Purpose of loan:
This loan will be used to?
pay off previous loan and one cc????????????
My financial situation:
I am a good candidate for this loan because?
I have never missed a payment with prosper
Monthly net income: $
2400
Monthly expenses: $
??Housing: $ 300????
??Insurance: $ 120
??Car expenses: $?500
??Utilities: $
??Phone, cable, internet: $ 150
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 681
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476577
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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
Transferring to Another Job
Purpose of loan:
I am moving for an excellent job opportunity, but I will be traveling out of state and want to make sure that I have enough money to cover my moving expenses.?

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: $ 3000

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 476583
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2000 Debt/Income ratio: 16%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 12 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,944Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: No  
Screen name: vlong 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
Wedding Expenses
Purpose of loan:
This loan will be cover part of the wedding expenses in the next 3 months. I have posted this list several time, but it only got so closed to close the loan. I'm really appreciate your time and consideration in making the bid.?

My financial situation:
I am a good candidate for this loan because I am very responsible, reliable and always make payment on time.

Monthly net income: $ 3300.00

Monthly expenses: $ 2125.00
??Housing: $ 1000.00
??Insurance: $ 200.00
??Car expenses: $ 100.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 145.00
??Food, entertainment: $ 60.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476589
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-2000 Debt/Income ratio: 39%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 18 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,727Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: p2p-welder Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to? pay off credit card debt

My financial situation:
I am a good candidate for this loan because? I have a good credit score and employment for over 11 years at the same employer. I own my house.

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 515
??Insurance: $30
??Car expenses: $ 385
??Utilities: $ 120
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $300
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476601
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,250.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $133.56
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1990 Debt/Income ratio: 32%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 31 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,532Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: radiant-camaraderi987 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying an Engagement Ring
Purpose of loan:
This loan will be used to buy an engagement ring for my girl friend of 2 years.? I have recently?purchased the base ring from Robbins Bros.? With this loan, I plan on purchasing a diamond from a wholesale jeweler (family friend) and have him finish the ring and certify the finished product.? I am planning on proposing in October of this year.

My financial situation:
I am a good candidate for this loan because I have recently finished my MBA and will be able to devote more time into?work and creating wealth for both myself and my future fiance.? I?currently work for?a Fortune 500 company (for almost three years now) and anticipate moving up within my organization in the near future (thanks to my MBA).? I am three years into a five year car note, have no rent, and only have further debt related to federal student loans.

Monthly net income: $ 2650

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 0
??Phone, cable, internet: $?150
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?125
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476625
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $382.06
 
Auction yield range: 10.79% - 29.00% Estimated loss impact: 11.53%  
Lender servicing fee: 1.00% Estimated return: 17.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: 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 cards whit 3k each I like to make only one payment. That will be your payment I make the paymen of 400 a month for?each card.??who ever loan the money to me I will no take the full 36 months pay this loan off i will make extra payments. My wife works also I get extra money from my volunteer job. I just need to? cosolidated this 3 payments to one.

Thanks for all your help.


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 476637
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $85.48
 
Auction yield range: 13.79% - 19.00% Estimated loss impact: 15.04%  
Lender servicing fee: 1.00% Estimated return: 3.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1989 Debt/Income ratio: 21%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 7m
Amount delinquent: $130 Total credit lines: 30 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,897Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: dream2live Borrower's state: Georgia Borrower's group: Debt Consolidators
Credit and homeownership information was obtained 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: 47 ( 100% ) 660-679 (Latest)
Principal borrowed: $12,300.00< 31 days late: 0 ( 0% )  
660-679 (Dec-2009)
660-679 (Oct-2009)
660-679 (Aug-2009)
660-679 (Dec-2007)
 
Principal balance: $427.18 31+ days late: 0 ( 0% )
Total payments billed: 47  
Description
improve credit and interest
Purpose of loan:
This loan will be used to consolidate card debt
My financial situation:
I am a good candidate for this loan because still improving since 2007 have additional sources of income on side jobs.
Monthly net income: $ 4758

Monthly expenses: $
??Housing: $?704
??Insurance: $ included
??Car expenses: $ 354
??Utilities: $ 300
??Phone, cable, internet: $ 170
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 174 pay more than min
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476711
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: 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: $99.52
 
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-1996 Debt/Income ratio: 4%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 4 Current / open credit lines: 4 / 3Length of status:0y 8m
Amount delinquent: $2,724 Total credit lines: 41 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,807Stated income:$75,000-$99,999
Delinquencies in last 7y: 28 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: first-class-openness6 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
Debt/ Final Wedding Ring Payment
My last attempt was 98% funded and short by $50 even though it didn't get an offer until 2 days left.? I would greatly appreciate some early offers and would love to get the loan fully funded this time.

Purpose of loan:
I will be using this loan to consolidate some debt and rehabilitate my credit score. I would also like to be able to propose to my beautiful girlfriend. I'll be taking a job and would like to consolidate my debt before I start.

My financial situation:
My financial position and future prospects have never been better.? I currently make $96,000 as the senior advisor to the Governor of a major state.? I am a licensed attorney?and have worked in government for roughly a decade and will be moving to the private sector shortly. I've been very lucky to have a job that pays well and gives me the satisfaction of directing policy that helps others.

My father recently went through some financial difficultly that I attempted to help him get through. It was a very difficult period for both of which caused my less than stellar credit score. He owns a small business that he started out of his garage that was hit hard by the recession.? He is recovering slowly, but he no longer needs any assistance from me.?

There are a number of delinquencies on my account because I was paying the mortgage on my father's house at the expense of my bills.? In addition to my salary, my father has begun paying me back. My father immigrated to the United States with $50 and suitcase and has taught me the value of a dollar and more importantly, the value of hard work. My credit score and reputation are very important to me and the ability to consolidate my debt will make a big difference in my life. It will allow me to propose to my beautiful girlfriend and really start a new chapter in my life. Thank you for your consideration and trust.

Monthly net income:
$ 5500

Monthly expenses: $ 3600?
Housing: $ 1500??????????
Insurance: $?100??
Car expenses: $0???
Utilities: $ 150??
Phone, cable, internet: $150???
Food, entertainment: $ 400??
Clothing, household expenses $200
Credit cards and other loans: $300???
Other expenses: $ 800 (including some savings for a wedding ring)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476723
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Aug-1999 Debt/Income ratio: 32%
Credit score: 820-839 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:12y 1m
Amount delinquent: $0 Total credit lines: 33 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,468Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: hope-gravitas 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
Debt Consolidation
Purpose of loan:
This loan will be used to pay off my credit cards.? I would like to have only one bill at one , hopefully, low interest rate.

My financial situation:
I am a good candidate for this loan because I have a decent income and have never been late on any of my obligations.?

Monthly net income: $ 3330

Monthly expenses: $
??Housing: $ 959
??Insurance: $ 75
??Car expenses: $ 125
??Utilities: $ 0 my roomate pays all utilities
??Phone, cable, internet: $ 75 for phone
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 299
??Other expenses: $ 25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 13.79% - 34.00% Estimated loss impact: 15.77%  
Lender servicing fee: 1.00% Estimated return: 18.23%  
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: Aug-1998 Debt/Income ratio: Not calculated
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 10Stated income:$75,000-$99,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $182 
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: affluence-taco Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan to pay a couple month's rent
Hello; I'm looking for a temporary respite... no sob story here; I just don't want to move from the apartment that has been my home for 18 years. My landlord loves me... I always pay my rent early. I've been on furlough this past year, so need a loan to provide a temporary comfort zone. I will return to work on 1 Jan 11, and I earn $86000 a year, working in a city government position. Payments for this loan will come directly from my city employee's credit union, an account I have maintained for seven years. Also, please note that I have been diligent with credit, and I maintain a high credit score -- I don't know how they gage it here at Prosper, but Experian put it at 741 on 3 August 2010 (I do not know if that was Vantage or Fair Issac). I maintain only one credit card for emergencies. Thank you so much for your kind attention.

Monthly net income: $ 86000 when I return to work

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $750
??Utilities: $ 100
??Phone, cable, internet: $75
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $ None
??Other expenses: $ None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476735
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1981 Debt/Income ratio: 71%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:25y 3m
Amount delinquent: $0 Total credit lines: 28 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,638Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: coin-jamboree9 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
Expand Law practice
Purpose of loan:
This loan will be used to?expand my law practice into two new areas.

My financial situation:is good and stable.
I am a good candidate for this loan because?I have a stable law practice with a mature client base.

Monthly net income: $ 4000
income from law practice salary, rental income and other personal service income
Monthly expenses:
??Housing: $insurance and taxes
??Insurance: $144
??Car expenses: $620
??Utilities: $200
??Phone, cable, internet: $111
??Food, entertainment: $300
??Clothing, household expenses $250
??Credit cards and other loans: $1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 30.50% Starting borrower rate/APR: 31.50% / 35.14% Starting monthly payment: $294.29
 
Auction yield range: 10.79% - 30.50% Estimated loss impact: 11.57%  
Lender servicing fee: 1.00% Estimated return: 18.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1993 Debt/Income ratio: 9%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 11 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,072Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: 1st-Home-Purchase 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
U Get AWESOME Rate.. I Get a House!
Purpose of loan:
This loan will be used to?
Purchase our 1st house!

My financial situation:

Experian: 712 - Equifax: 715 - TransUnion: 703

For Real!

So why the 'D' rating? Who cares!... the money will?go to YOU instead of the landlord -?Shazam!!


BTW, I'm never late on payments, and my 'low risk' credit scores reflect that.

Our new house mortgage will be hundreds less than what we now pay for rent, (wait, what... seriously? YES!).

The money saved?will offset this loan payment. Win!

I have paid off several auto loans and credit cards over the years, and my future keeps getting brighter.

Monthly net income: $6,230 <-- Not bad eh?

Monthly expenses: $ 3,730
??Housing: $ 1,450
??Car Insurance: $ 150
??Car expenses: $ 300
? Medical: $ 450
??Utilities: $ 200?
??Phone, cable, internet: $ 375
??Food, entertainment: $ 400
??Clothing, household expenses $75
??Credit cards and other loans: $ 230
??Other expenses: $ 100

Check out my debt/income ratio. That's what I'm talkin bout.

This loan is guaranteed S O L I D (your so stoked).

Hurry, this crazy deal won't last!!!

Thanks for your time!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476785
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $47.18
 
Auction yield range: 2.79% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1990 Debt/Income ratio: 7%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,289Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: truth-widget1 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Remodeling the bedroom
Purpose of loan:
This loan will be used to further my home improvement project, specifically remodeling the bedroom.?

My financial situation:
I am a good candidate for this loan because I am stable, a hard worker that will continue my employment, and one that can be counted on to make payments when due.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1993 Debt/Income ratio: 24%
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 476791
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 9 First credit line: Jun-1994 Debt/Income ratio: 8%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 11 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,299Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: Theazadora 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
Staying out of Debt
Purpose of loan:
This loan will be used to pay off my credit card and tax bill.

My financial situation:
I am a good candidate for this loan because I?work?for?state government, has a stable job and has been with the same employer for the last 7 years. I am a Computer Engineer and has been in the IT industry for 13+ years.
I would like to get out of debt and I preferred to pay interest to peers like you rather than the big bank.

Monthly net income: $ 4185.00

Monthly expenses: $
??Housing: $ 1342.50
??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 476803
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $131.24
 
Auction yield range: 3.79% - 10.15% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-1989 Debt/Income ratio: 4%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,621Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: best-reverent-duty 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
Rebuilding Credit Rating
Purpose of loan:
This loan will be used to? Rebuild and strengthen my credit portfolio.

My financial situation:
I am a good candidate for this loan because? I have long term stability with my current employer, am a home owner with perfect pay history for 7 years, and am just trying to rebuild my credit history with obtaining this fixed payment loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476813
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.0%  
   
 
Starting lender yield: 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: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1988 Debt/Income ratio: 14%
Credit score: 600-619 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 15 Current / open credit lines: 1 / 1Length of status:3y 5m
Amount delinquent: $11,721 Total credit lines: 24 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 15 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: nole1313 Borrower's state: Utah Borrower's group: BuildingTree
Credit and homeownership information was obtained 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: 28 ( 80% ) 600-619 (Latest)
Principal borrowed: $1,000.00< 31 days late: 6 ( 17% )  
520-539 (Jul-2007)
520-539 (Jun-2007)
520-539 (May-2007)
520-539 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 1 ( 3% )
Total payments billed: 35  
Description
The end is in site
This will be my second loan with Prosper as I just finished paying off my first one.? The first one was a great help, and I hope to be able to secure a second one to continue to help me to clear up old debts and to go forward to a soon to be debt-free future.

Just to recap; my husband & I had good jobs & great credit; we then ran into some Medical problems & I made some poor choices.

We now live with & care for my parents for room & board and I have a good job where I work at home.

I just want to continue to fix my mistakes, I don't want to be afraid to answer the phone or the door anymore. With Prosper, I can get the amount needed to pay them what I owe and make the once a month Prosper payment.

Due to poor credit I plan to do this one step at a time. First I will pay off my Target Card $400,?Hospital Labs?$600 and?Ambulance $750, Doctors $750. I plan on having this loan paid off within 5 months when I get my tax refund. At which time I will? hopefully get another small Prosper loan to help with what the tax refund doesn't cover should there be anything left.

New Budget
Tithing??????????????????????????????? $112
Storage????????????????????????????????? 50
Qwest??????????????????????????????????? 70
Car Insurance???????????????????????? 40
Incedentals????????????????????????? 200
Money left for Prosper is?????? 266

My credit rating does not show very high I have tried and am still trying to clean up my score however, it is very difficult. If my credit report shows any delinquencies it's because of my stupidity with these payday loans. I have leaned my lesson with these payday loans; never again, they cause you to get into a hole that you can't get out of. I would appreciate the chance.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.79% - 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-2006 Debt/Income ratio: Not calculated
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: best-sweet-leverage 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
Future Media Mogul w/Hot New Brand!
Purpose of loan:The young cousin of Maria Bartiromo, who anchor?s CNBC?s ?Closing Bell?, is looking to buy a website to launch the homepage for his name own brand, & video camera equipment.He will film viral videos based on his character persona that past events in the spotlight created. From his own national news headlines, he has media contacts that he plans to contact to pitch an idea for a reality show & publish a book based on his story. He has the credibility & reputation to bring legitimacy & relevance to make this brand successful. The website will promote book excerpts, showcase his viral videos, post blogs, & allow scheduling of his specialized consulting services & speaking engagements. He?s currently under the wings of professors, making rounds at universities giving lectures in front of hundreds of college students sharing his riveting & inspirational story. (Dr. Sean Jasso, professor at UC Riverside is pictured on the left, on the right is the young man this is all about).In the final stage, the brand will branch off into a clothing line & a social media hybrid, to which we already spent $7,000 buying those domains, trademarks & filing a pending patent - so that is why we are now out of liquid funds.If you contact us to sign our non-disclosure confidentiality agreement, we can disclose his name & brand name now, otherwise we can give you his name & the brand name (both of which we are withholding for practical business sense) after the funding & purchase of the website.
Our ability to repay this loan:He & I are both in our early 20?s. I?m his long-time girlfriend handling this stuff - we figured my credit is the better of the two. We are both too young to have built much. I have NO debts & never have had any, even refusing to accept student loans. I am about to graduate with a language major knowing 6 languages, & have prospective job offerings already lined up to replace the part-time work I currently do. With the $1,200 I make a month (& soon to be a lot more) & his $4,000 remaining on his unemployment, with MINIMAL expenses such as gas & food (we live at home still) versus the small monthly payment this loan requires, there is no chance of default. I would never put my building credit in jeopardy & he wouldn?t put his name, image or brand in jeopardy of tarnishing his reputation by defaulting either.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476831
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1989 Debt/Income ratio: 37%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:17y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,819Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: currency-trailblazer2 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit
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 476839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $519.98
 
Auction yield range: 10.79% - 14.00% Estimated loss impact: 11.11%  
Lender servicing fee: 1.00% Estimated return: 2.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1993 Debt/Income ratio: 23%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 45 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $180,863Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: listing-ranch 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
debt consolidation
Purpose of loan:
This loan will be used to?? pay off the debts (credit card)

My financial situation:
I am a good candidate for this loan because? I value my credit. I will pay off the loan in time.

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 1082.27 - my husband pays this., We have separate checking account
??Insurance: $ 220
??Car expenses: $ NONE - Paid off
??Utilities: $ My parents pay the utilities - they live with us
??Phone, cable, internet: $ 200
??Food, entertainment: $ Mu?parents pay this
??Clothing, household expenses $ 100
??Credit cards and other loans: $?400
??Other expenses: $ extra curricular activies for my kids - 480
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $122.14
 
Auction yield range: 16.79% - 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: Dec-1982 Debt/Income ratio: 29%
Credit score: 660-679 (Aug-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 39 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,226Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: agreement-tranquility Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2009)
 
Principal balance: $3,895.03 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Pay off medical bills/auto repairs
Purpose of loan:
This loan will be used to?pay off?medical bills and auto repairs.?We?had some bad luck with teeth, glasses and autos. I would like to clean up some bills.?

My financial situation:
I am a good candidate for this loan because?
I always pay all of my bills and my wife has an income of $48,000 that almost doubles our monthly?net income.
Monthly net income: $
3,500
Monthly expenses: $
??Housing: $?500
??Insurance: $ 100
??Car expenses: $ 400
??Utilities: $?200
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 16.79% - 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-1988 Debt/Income ratio: 30%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:10y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,978Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: tanzijan 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 one of my car loans
Purpose of loan:
This loan will be used to?pay off 1 of my car loans.

My financial situation:
I am a good candidate for this loan because?I have worked hard in the past 10 years to clean up my credit and I just need a helping hand to go forward.? I need to get my two high payment car loans paid off, so I can sell one.? My husband can no longer drive and I do not need two vehicles.? I received a loan for one of my vehicles, now I need another for my 2nd vehicle.? I pay all my bills on time every month and I don't want to fall behind now.? Once my two car loans are paid off I can get ahead again.? I appreciate any help you can give me and thank you in advance.? I will be glad to answer any questions.? Thank you.

Monthly net income: $ 2985.60

Monthly expenses: $
??Housing: $ 950.00
??Insurance: $ 90.00
??Car expenses: $ 594.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 109.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ I have no credit cards
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1996 Debt/Income ratio: 31%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 25 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,099Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: Gemini846 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
600-619 (Apr-2008)
 
Principal balance: $782.86 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Good History - Desire a Better Rate
Purpose of loan:
This loan will be used to pay off one high rate line of credit I took out last year to pay income taxes. I've been pleased by the community so far and appreciate the help.

My financial situation:
I am a good candidate for this loan because my wife and I have stable income (both over two years) and we are living way below our means. We do not have cable TV, we only have one used car loan and our rent payment is only 17% of our take home pay. In the last year we've paid off nearly $5,000 in debt. This loan will increase our cash flow so that we can pay it off faster. I'm also a good candidate because my existing prosper loan has never been late for over 28 months.

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

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

Notes: I have FSA at work that covers medical expenses et. I work during the day, and my wife works nights so we don't have to pay for childcare. Thanks for bidding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2006 Debt/Income ratio: Not calculated
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,329Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: a-methodical-felicity 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
Help us get married!!!!!
Purpose of loan:
This loan will be used to finance our wedding.

My financial situation:
I am a good candidate for this loan because my fiance and I are financially secure.? We have an accurate budget that we follow consistently.? We are fiscally responsible. We both have retirement funds. ? We are both young and in the process of establishing our credit.? We are requesting this loan because we do not want to burden our parents with the cost of a wedding.

Monthly net income: $ 5500

Monthly expenses: $
??Housing: $ 930
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.