Listing Report:Supplement No. 54 dated Sep 24, 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 447118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1993 Debt/Income ratio: 30%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 47 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,627Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: vigilance-trumpet Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
starting medical practice
I am starting my own ?medical practice after working for two different hospital systems. I will continue to work part-time for one hospital which will enable me to make loan payments until my own practice has adequate cash flow.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.6%  
   
 
Starting lender yield: 3.00% Starting borrower rate/APR: 4.00% / 4.33% Starting monthly payment: $29.52
 
Auction yield range: 2.79% - 3.00% Estimated loss impact: 1.54%  
Lender servicing fee: 1.00% Estimated return: 1.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Apr-1989 Debt/Income ratio: 2%
Credit score: 860-879 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 38 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,933Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: ElbowToast 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
Car repair needed - low on cash
Purpose of loan:
This loan will be used to make needed repairs to my truck.

My financial situation:
I am a good candidate for this loan because?I pay my bills.? I have a high income but am in process of purchasing?a home.? So, I don't want to use cash right now for this?repair.? The payment listed of sub $30 a month is meaningless, easy to pay.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476400
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 10.79% - 34.00% Estimated loss impact: 11.67%  
Lender servicing fee: 1.00% Estimated return: 22.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1981 Debt/Income ratio: Not calculated
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:5y 0m
Amount delinquent: $248 Total credit lines: 19Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,241 
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: capital-pilot9 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 CONSOLIDATION!!!
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I'm a grandparent that is trying to help my granddaughter(pic) through college and consolidate some of my bills! I have a great credit score and you can see I'm only delinquent on one account and this will be fix with help from this loan. Please take great consideration in funding this loan! Thank you.

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476682
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.15% Starting borrower rate/APR: 12.15% / 14.28% Starting monthly payment: $499.29
 
Auction yield range: 5.79% - 11.15% Estimated loss impact: 6.13%  
Lender servicing fee: 1.00% Estimated return: 5.02%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1984 Debt/Income ratio: 12%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 31 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,444Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: saleme2 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
fixer upper need repairs
Purpose of loan:
This loan will be used to? replace furnace/ac get fixer upper in move in condition

My financial situation:
I am a good candidate for this loan because? never defaulted on a loan

Monthly net income: $ 13083

Monthly expenses: $ 3900
??Housing: $ 930
??Insurance: $ 548
??Car expenses: $407
??Utilities: $ 440
??Phone, cable, internet: $87
??Food, entertainment: $ 200
??Clothing, household expenses $25
??Credit cards and other loans: $ 806
??Other expenses: $ 2400 employees
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1998 Debt/Income ratio: 11%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $416Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: kindness-forte8 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
to help my sons debt and wedding
Purpose of loan:
This loan will be used to? helping with my sons debt and wedding, was funded but could not get w2 in time. have all documents today and I am ready (my credit score is over 730) and Have not been late in? years.

My financial situation:
I am a good candidate for this loan because?in the?last few years I have never been late on a bill and I have? a credit score of over 730?
I am also paying back?his debt and helping my son so he can start fresh.
Monthly net income: $ 6110

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $?200??Food, entertainment: $ 280
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 200
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476712
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: May-1971 Debt/Income ratio: 4%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:14y 11m
Amount delinquent: $22,673 Total credit lines: 19Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $276 
Delinquencies in last 7y: 20 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: kinetic-moola2 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
Consolidate and raise credit score!
Purpose of loan:
Loking to get items paid off on my credit report and have one payment to raise my score!

My financial situation:
I am a good candidate for this loan because even though I have had my ups and downs I am very stable now.

Monthly net income: $
3000.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100.00
??Car expenses: $ 0
??Utilities: $ 200.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 50.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476724
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-2000 Debt/Income ratio: 35%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 34 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,488Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: diversification-freshmaker 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
Get me out of debt - please!
Purpose of loan:
This loan will be used to? pay off high interest credit cards.

My financial situation:
I am a good candidate for this loan because? even at my largest?debt amount, I ALWAYS managed to make my payments (yes, on time too).

Monthly net income: $ 1475

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 55
??Car expenses: $ 80
??Utilities: $?
??Phone, cable, internet: $ 20
??Food, entertainment: $ 40
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 800
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476730
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1977 Debt/Income ratio: 20%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 19 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $283Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: coin-encore Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,100.00< 31 days late: 0 ( 0% )  
720-739 (Jan-2010)
 
Principal balance: $944.03 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Attorney Fees
I live with, and care for my elderly father.? He served as a Marine in the Pacific during World War II.? He is eligible for a VA benefit that allows the veteran to live a safe, independent life in their own homes, and helps pay for assistance such as housekeeping, cooking, and other activities of daily living.? We have consulted with an elder care attorney.? The process to obtain this benefit will take a few months, so we want to get started as soon as possible.? This loan will be to pay for the attorney fees.? Thank you very much for your time, attention, and helping me with this loan.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476736
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $157.04
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1984 Debt/Income ratio: 107%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,231Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: bewitching-loan2 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
getting back on track
Purpose of loan:
This loan will be used to?
catch up on a few bills.? In late August, we had 2 major car repair bills, there was a lull in paychecks due to a short time of being laid off (unemployment benefits) and being rehired with a full paycheck. This created a kind of domino effect on our budget.? We need to catch up on everything then we'll be back on track.? This loan will be paid off when we get our tax refund usually in late February or early March.
My financial situation:
I am a good candidate for this loan because? we always pay our debts back. We also have my husband's income which is approximately $ 4000.00 a month.? It varies depending on how much overtime he gets.? It's the slow time of the year, so no overtime right now.? He has a base pay of $52,000 per year.

Monthly net income: $ 4500. approximately????

Monthly expenses: $
??Housing: $ 600????
??Insurance: $ 500
??Car expenses: $ 269
??Utilities: $?350
??Phone, cable, internet: $ 165
??Food, entertainment: $ 600
??Clothing, household expenses $ minimal
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476748
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 22.37% Starting monthly payment: $274.92
 
Auction yield range: 16.79% - 18.00% Estimated loss impact: 25.00%  
Lender servicing fee: 1.00% Estimated return: -7.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jul-1981 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 7 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: Yes  
Screen name: new-dime-economist 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
Rehab house
Purpose of loan:
This loan will be used to? rehab a rental house for the business.

My financial situation:
I am a good candidate for this loan because? I have very good credit and own a home. This money will help me increase the assets for the company by fixing the home so it can be rented.

Monthly net income: $ 2260

Monthly expenses: $
??Housing: $ 550
??Insurance: $ 150
??Car expenses: $?100
??Utilities: $?75
??Phone, cable, internet: $?40
??Food, entertainment: $?175
??Clothing, household expenses $?20
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $222.98
 
Auction yield range: 16.79% - 19.00% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-2007 Debt/Income ratio: 16%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 6 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,405Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: interest-symphony 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
Small Business Loan
Purpose of loan:
This loan will be used to? This loan would be used to purchase equipment like an integral phone system, hotel contracts, advertisement brochures etc for my business. Sales of vacation packages would be my primary source of revenue.
I have been in the vacation business for 5years, I rose from sales rep to sales manager within that period in the same organization, and my experience in this industry is my primary motivation for starting my business.
I also hold a Masters Degree in business Administration from Keller Grad. School, (class of 2007) so I have some knowledge of how to start and run a business.
My current salary from my job would cover my loan payments incase of any unforeseen eventualities occur.

My financial situation:
I am a good candidate for this loan because i have never had a deliquency in my credit history.

Monthly net income: $ 5200

Monthly expenses: $ 2648
??Housing: $ 800
??Insurance: $ 120
??Car expenses: $ 120
??Utilities: $ 100
??Phone, cable, internet: $ 125
??Food, entertainment: $ 250
??Clothing, household expenses $150
??Credit cards and other loans: $ 683
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $222.62
 
Auction yield range: 5.79% - 10.00% Estimated loss impact: 5.11%  
Lender servicing fee: 1.00% Estimated return: 4.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1992 Debt/Income ratio: 18%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 16Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,675Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: etnies451 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 15 ( 94% ) 720-739 (Latest)
Principal borrowed: $7,000.00< 31 days late: 1 ( 6% )  
740-759 (Dec-2009)
700-719 (Jun-2008)
700-719 (May-2008)
720-739 (Jul-2007)
 
Principal balance: $1,599.74 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
MY 3RD PROSPER LOAN, 1ST IS PAID
Purpose of loan:
This loan will be used to? pay off a Wells Fargo credit card and make out 1 less check a month since this loan payment will be automatically debited from my bank account.

My financial situation:
I am a good candidate for this loan because? even though the credit card companies and credit bureaus continue to malign my credit score without due cause- I PAY ALL MY BILLS ON TIME EVERY TIME.?

For example....I owed home depot credit $2400 out of $3000 credit limit.....I paid them $2300 and now owe them $100 or so dollars. Guess what? They lowered my credit card limit to $500 dollars. Chase has done the same as well as a few others. That is ok, I never plan to use any of them again. (and this continues to be the case as evidenced by my lower debt amount, my lower debt to income ratio, lower bank card utilization, continued on time payment of all my debts, and?YET my credit score goes lower????)?

I own my own?successful business, with 20 plus employees. I can continue to pay down this loan to Wells Fargo and let them make the interest, or you can help me pay them off, and instead you make the interest. I will then be able to transfer a B of A credit card to the now free and clear Wells Fargo account at a much lower interest rate.

And if you notice, I am asking for less and less money to pay this card because I have made 2 payments toward this account to bring it under $7,000, and by the way Wells just up'ed my credit limit from $12,000 to $14,000 on this account. (Thanks but no thanks!!!) This balance is going down (now less than $7000) and I plan to keep it that way!
Please let me know if you have any questions or concerns. Thank you.

Check my loan history to see that I paid and continue to pay my prosper loans.

This is a?3RD loan through prosper (if successful). The 1st loan was paid off without any problems?and the 2nd loan is currently being paid on time without a problem.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,800.00 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: $171.90
 
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-1992 Debt/Income ratio: 16%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 6Length of status:21y 2m
Amount delinquent: $10,990 Total credit lines: 18 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,132Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: awesome-social4 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off funeral debts
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? my bi-weekly income

Monthly net income: $ 6,500.00

Monthly expenses: $ 4,000.00
??Housing: $ 2,800.00
??Insurance: $ 175.00
??Car expenses: $ 300.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 400.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476784
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 17.99% Starting borrower rate/APR: 18.99% / 22.36% Starting monthly payment: $109.95
 
Auction yield range: 16.79% - 17.99% Estimated loss impact: 19.30%  
Lender servicing fee: 1.00% Estimated return: -1.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1984 Debt/Income ratio: 27%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:22y 9m
Amount delinquent: $0 Total credit lines: 29 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,566Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: domag711 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 92% ) 760-779 (Latest)
Principal borrowed: $2,500.00< 31 days late: 2 ( 8% )  
760-779 (Aug-2008)
 
Principal balance: $925.32 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
consolidating debt
Purpose of loan:
This loan will be used to? consolidate my debt.? In addition to paying off credit cards, this loan will pay off my existing Prosper loan which will further lower my monthly payment obligations.

My financial situation:
I am a good candidate for this loan because? I have a very stable work history and income.? I have been?with my current employer?for 22 years+.? My credit report shows some delinquency.? While I acknowledge responsibility for my credit history, the late payments were attributable to my kindness-?stupidity:) in co-signing a vehicle loan and credit cards in the past.

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 476790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $616.41
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1981 Debt/Income ratio: 24%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:10y 8m
Amount delinquent: $0 Total credit lines: 32 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,778Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: brightest-leverage-sitar 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 credit cards,medical exp
Purpose of loan:
This loan will be used to? to pay off credit cards and medical expenses

My financial situation:
I am a good candidate for this loan because? good credit and 150,000/year salary. I have had always prided myself on prompt and on time repayment of any loan(auto,private,home,etc).

Monthly net income: $ 12,800

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 300
??Car expenses: $ 1000
??Utilities: $ 500
??Phone, cable, internet: $ 200
??Food, entertainment: $ 800
??Clothing, household expenses $ 200
??Credit cards and other loans: $?2400
??Other expenses: $ 500-medical
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2001 Debt/Income ratio: Not calculated
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 7Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 14 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: clean-treasure9 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
Greatbridge Kids Academy
Purpose of loan:
This loan will be used to?help?fund the start up?of a daycare center?and preschool. It?is currently under construction and the?funds are needed for additional inventory.?????????????

My financial situation:
I am a good candidate for this loan because there are already 17 Enrolled children and we are scheduled to open mid October.

Monthly net income: $ 10000

Monthly expenses: $
??Housing: $ 1800????
??Insurance: $ 76
??Car expenses: $420
??Utilities: $ 215
??Phone, cable, internet: $320
??Food, entertainment: $ 125
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 25
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.7%  
   
 
Starting lender yield: 7.79% Starting borrower rate/APR: 8.79% / 11.96% Starting monthly payment: $475.53
 
Auction yield range: 7.79% - 7.79% Estimated loss impact: 8.85%  
Lender servicing fee: 1.00% Estimated return: -1.06%  
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): 7 First credit line: Mar-1994 Debt/Income ratio: 23%
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 18Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 41 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,301Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: loot-vinyl5 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
New Room for baby girl
Purpose of loan:
This loan will be used to add a new room to our house for our second baby girl.I have a great record of paying what I owe.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476836
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $328.75
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,711Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: testguy Borrower's state: Missouri Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Down Payment for Forclosure Rental
Purpose of loan:
My Real Estate Investment model is very simple.? I do not pay more than $40,000 for a house that has at least 3 bedrooms in an area of town where I know I can get at least $790/month out of the section 8 program in rent.? This loan will be used to fund a down payment on one of these houses.?

My financial situation:
I am a good candidate for this loan because I know what I am doing.? I currently own 4 of these rentals free and clear of any loans.? 3 of them are rented at $790/month and 1 is rented at $900/mo through the section 8 office in St. Louis, MO.? This is the income reflected in my stated income.??

I am not sure how prosper gives me a D rating, I suspect it is due to the income.?? My family income is much higher, through my commissions as a Commercial Real Estate Agent, other investments and my wife?s income.? Last year our total family income was close to $85,000/yr.? This year it will be much higher because the income from these properties will be added to this.?

I will need this loan to be bid down to 16% for this to start to make sense financially.

Monthly net income(Rental Business only): $ 3270

Monthly expenses: $
??Housing: $ Currently 0 Debt
? Real Estate Taxes: 407.53??
? Insurance: $ 166.08
??Maintenance Reserve: $ 327.00
??Company vehicle: $ 260.24

Income after Expenses: $2,109.15

Projected Cash Flow of Property Bought with Requested Down Payment
Purchase Price: $40,000 (or Less)
$32,000 Bank Note(7% APR, 25yr term): $224.86
Prosper Note: $328.75
Insurance: $40
Taxes: $100
Maintenance: $79
Total Expense: $772.61

Monthly Rent from Section 8: $790 (on the low side)

At the current prosper loan rate the numbers are too tight which is why I am hoping the lenders can see the need to bid this down.

Thank you in advance for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476860
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $143.83
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1995 Debt/Income ratio: 24%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:16y 6m
Amount delinquent: $0 Total credit lines: 8 Occupation: Laborer
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: Yes  
Screen name: orange-mindful-wampum Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Patent on new idea
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 476866
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 37.54%  
Lender servicing fee: 1.00% Estimated return: -20.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:12y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $182,899Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: bold-respectful-p2ploan 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
Patent Attorney on the Rebound

Yes,?Dear Lenders, my?debt load?is relatively high and for a good reason.? After a very challenging last two and half years,?my wife and I?have?finally worked through?our?son's medical issues.? He was born at 25 weeks and, being a ?micro-preemie?, it has taken a staggering amount of money and time (lost from work)?to get him to the healthy condition he now thankfully?is in.????

Blessed as we?are, having turned the corner on his health issues, I now finally?have more time?available to work and very soon stand to?earn significantly higher levels of income.???

You all can see from my credit reports that?I have never failed to pay a debt, not?in my entire life.? I am the sort of person (professional with a house, wife, and young child) who obviously is motivated to succeed, and I certainly?have no intention of jeopardizing my reputation in the legal community?and future creditworthiness.??

I am on the road to?a personal financial recovery.? In spite of the economy, I have plenty of cases to write and my clients and partners?are essentially competing to give me more cases and other legal matters to work on for them.? I will pay this loan off early.? Thank you for your consideration.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $498.21
 
Auction yield range: 10.79% - 11.00% Estimated loss impact: 11.03%  
Lender servicing fee: 1.00% Estimated return: -0.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1987 Debt/Income ratio: 6%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:23y 3m
Amount delinquent: $0 Total credit lines: 35 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $477,235Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: dna765 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
Prosperous Pawn Shop Growing
Purpose of loan:
This loan will be used to grow a prosperous pawn shop.

My financial situation:
I am a good candidate for this loan because...
1. My pawn shop is extremely profitable in this economy.
2. We are buying and loaning more than we ever have.
3. We hold collateral for the loan and we only lend out 50% of the "sell-it-tomorrow" wholesale price.
4. As you can see, I have perfect credit and a very high credit score.
5. I make you interest payments of 1% per month (or 12% per year).
6. My company was formed in 1957.
7. The manager of the pawn shop has been in the business for over 25 years.
8. We have locations in Beverly Hills, CA and Santa Clarita, CA (a Los Angeles Suburb)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 4 First credit line: Jun-1995 Debt/Income ratio: 37%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 15 / 13Length of status:5y 6m
Amount delinquent: $1,485 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,624Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: lesson0 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Dad's medical bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476888
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $282.56
 
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: Jun-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 15Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 79 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $144,141Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: p2ploan-genius 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
Finishing up a renovation
Purpose of loan:
This loan will be used to put the finishing touches on a renovated home that was just appraised at $1.1 million.? We bought the house 3 months ago for only $700,000 and created a great deal of equity in a short time.? We cannot tap the equity loan market yet, so we are applying for this loan to complete the renovation.? (For photos of the home, visit: www.southforkpartners.com.)

My financial situation:
I am a good candidate for this loan because I have never defaulted on any debts and have always paid on time.? I have a lot of project debt outstanding at this time and I have an unusual number of credit inquiries due to shopping for our acquisition loan.? Otherwise, my credit score would normally be in the 760+ range.

Monthly net income: $15,000

Monthly expenses: $10,450
??Housing: $3,750
??Insurance: $150
??Car expenses: $200
??Utilities: $200
??Phone, cable, internet: $150?
??Food, entertainment: $2,000
??Clothing, household expenses $1,000
??Credit cards and other loans: $2,000
??Other expenses: $1,000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476890
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,750.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $149.10
 
Auction yield range: 10.79% - 24.00% Estimated loss impact: 11.39%  
Lender servicing fee: 1.00% Estimated return: 12.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-2001 Debt/Income ratio: 19%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 5Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,217Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: professional-gain 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
Great Investment - Need Help!
Purpose of loan:

Hello lenders!? The purpose of this loan is to help me with truck repairs as well as catching up on some bills.? A few months ago I gave my father most of my savings to help out with the family business.? He had gotten very ill, and I was there for my family when they needed me most.? Thank God he is healthy again, and now I am reaching out to all of you for a helping hand.

Once my truck is repaired I plan to sell or trade it for a more economic vehicle.? It's a great plan I just need the cash right now to help me get going!

My financial situation:

I am a good candidate for this loan because I have a very good job and was recently promoted.? I work at a very prosperous investment bank with a great reputation for servicing their clients.? I've been employed for almost 4 years and my salary jumped from 45K to 59K just this month.? The loan repayments will be easy to manage into my budget now, and come April I will be getting a bonus that could be 5K or more.? I just recently heard about Prosper.com and was thrilled to visit the site.? Coming from a financial services background, I truly enjoy the thought of lending or borrowing from real people.

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 120
??Car expenses: $ 380
??Utilities: $ 0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476900
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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 paid 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 476902
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 10.15% Starting borrower rate/APR: 11.15% / 13.27% Starting monthly payment: $492.15
 
Auction yield range: 3.79% - 10.15% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1975 Debt/Income ratio: 14%
Credit score: 820-839 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $198Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: a-keen-payout 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
Home Improvment
Purpose of loan:
This loan will be used to build stair lifts and expand my home for my parapalegic son.
My financial situation:
I am a good candidate for this loan because I am credit trustworthy and financially stable. Also has references if needed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476920
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1990 Debt/Income ratio: 63%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Teacher
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $6,515Stated income:$1-$24,999
Delinquencies in last 7y: 8 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: optimizer052 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
BUYING A NEW CAR FOR OUR FAMILY
Purpose of loan:
This loan will be used to?
BUY A NEW CAR FOR MY FAMILY
My financial situation:
I am a good candidate for this loan because? I NEED A NEW START FOR MYSELF!

Monthly net income: $ 1250.00

Monthly expenses: $
??Housing: $?0
Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?0
Clothing, household expenses $ 0
??Credit cards and other loans: $?200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 15.00% Starting borrower rate/APR: 16.00% / 19.31% Starting monthly payment: $351.57
 
Auction yield range: 10.79% - 15.00% Estimated loss impact: 11.14%  
Lender servicing fee: 1.00% Estimated return: 3.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1991 Debt/Income ratio: 24%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 48 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46,344Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: genuine-kindness8 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from 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 down higher rate Cred Card Debt
Purpose of loan:
This loan will be used to? pay down higher interest credit card debt.

My financial situation:
I am a good candidate for this loan because? I have NEVER failed to pay off a loan in all my life.!

Monthly net income: $ 10k
Monthly expenses: $
??Housing: $ 3500
??Insurance: $ 150
??Car expenses: $ 600
??Utilities: $ 400
??Phone, cable, internet: $ 125
??Food, entertainment: $?500
??Clothing, household expenses $ 225
??Credit cards and other loans: $ 1400
??Other expenses: $ Loss on rental property? neg cash flow 350 mth
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1998 Debt/Income ratio: 19%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,757Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: JERRYF10 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF CREDIT CARDS
Purpose of loan:
This loan will be used to pay off my student loan and credit cards.

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

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 687
??Insurance: $150
??Car expenses: 180
??Utilities: $ 250
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1989 Debt/Income ratio: 31%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:16y 3m
Amount delinquent: $0 Total credit lines: 31 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $854Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: lettergirl46 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 43 ( 98% ) 640-659 (Latest)
Principal borrowed: $6,600.00< 31 days late: 1 ( 2% )  
660-679 (Dec-2009)
600-619 (Jul-2007)
 
Principal balance: $2,863.43 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
Braces for son
Purpose of loan:
This loan will be used to? pay for braces for my son.? I would also pay off my current loan with Prosper so I would only have one loan at a time.

My financial situation:
I am a good candidate for this loan because?I have been at the same job for 16 years and feel very stable because of this.? I have a good record with Prosper and my loan payments. ?

Monthly net income: $ 2900.00

Monthly expenses: $ 1100.00
??Housing: $ 0
??Insurance: $ 90.00
??Car expenses: $ 500.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 45.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1994 Debt/Income ratio: 18%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 47 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $64,369Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: point-pine3 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? Payoff credit cards that I have been paying on faithfully for years but can't see to get rid off.

My financial situation:
I am a good candidate for this loan because? I make?$100,000?per year in a steady field.? I work for a collection agency and I am the only salesperson on staff.

Monthly net income: $ I net about $5200 each month.

Monthly expenses: $
??Housing: $ 2250
??Insurance: $ 100
??Car expenses: $ 640
??Utilities: $ 75
??Phone, cable, internet: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 500
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 6.0%  
   
 
Starting lender yield: 6.75% Starting borrower rate/APR: 7.75% / 9.83% Starting monthly payment: $156.11
 
Auction yield range: 5.79% - 6.75% Estimated loss impact: 6.04%  
Lender servicing fee: 1.00% Estimated return: 0.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1980 Debt/Income ratio: Not calculated
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 476950
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.79% - 24.00% Estimated loss impact: 19.68%  
Lender servicing fee: 1.00% Estimated return: 4.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 13 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,801Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: 3200 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
600-619 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Inventory to boost profit margin
Purpose of loan:
This loan will be used to?? Cutting out one supplier and buying inventory DIRECT from the manufacturer overseas ? ONLY products I already know they are HOT SELLERS with a quick turnaround time.The merchandise comes from overseas, so I have to anticipate the 6-9 weeks shipping time ? For this reason I don?t want to use most of my reserves to invest. I am a very conservative person on spending ? My LLC was founded in 03-2008 and I have NO DEBT on the company and all bills are paid. My company is also a BBB member with an A rating.Since I had such a GREAT experience with Prosper I wanted to get the loan funded with your help and not apply with my local bank/credit union.I would be happy to address any questions and/or concerns.

My financial situation:
I am a good candidate for this loan because?
I can absolutely afford the payment. I already had one Prosper loan ? NOT a single late payment of course and the loan was paid in full early.I have NO debt on the business and other than a few credit cards and two small car loans, each around 4K.NEVER any late payments and/or bankruptcy ? I ALWAYS pay my bills on time!The credit cards & car loan are to build credit history after moving back home from Europe in 2006.My present score at ?Experian? is 689.

Monthly net income: $

Monthly expenses: $
??Housing: $ My husband pays all housing and utility costs
??Insurance: $ 110
??Car expenses: $ 248
??Utilities: $
??Phone, cable, internet: $ 71
??Food, entertainment: $
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100
??Other expenses: $

Your consideration is greatly appreciated!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1980 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Sep-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Retail Management
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $83,052Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: focused-capital3 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 high-cost credit cards
Purpose of loan:
pay off high-cost credit cards

My financial situation:
I am a good candidate for this loan because? I am currently paying more per month (about 850.00) than this loan costs.? It would free up some capital to help keep the business operating during the recession.? I would close 2 credit card accounts and keep one for business purposes, and pay it off monthly.

Annual sales $300,000 / year


 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.49% Starting monthly payment: $67.30
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1987 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 5Length of status:9y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,130Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: punctual-payment7 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
Last Try -- Medical Bills -- NOT HR
Purpose of loan: This loan is needed to pay up-front costs for 3 - 4 months of IV antibiotics to treat my husband?s Lyme disease plus coinfections.?

My financial situation:
I am a good candidate for this loan because?I am an accountant and my husband is a CPA. We both know how ridiculous it is to take out a loan with such a high interest rate. But after 10 years of illness, my husband is desperate to get his life back. We are angry and frustrated at all the incompetent doctors he has seen over the years.

?We just got back from a 1200 mile trip to see a highly recommended neurologist.?$950 got us a 5 hour appointment. The doc confirmed that my husband has no neurological disease and?he is confident that with more aggressive IV treatment my husband can still recover his health.

This loan is pretty much a sure bet. My husband's catstrophic medical insurance policy will reimburse 100% of medical expenses (now that we have met the waiting period, all deductibles and co-pays). But we need the money up-front to buy IV antibiotics and supplies for 3 - 4 months. Then we just have to wait for both insurance policies to process the claims.?

God bless anyone who is willing to help my husband recover his health by funding this loan. Just remember, one tick can change your life.

Update:? The first month of IV antibiotics have made a tremendous difference in my husband's symptoms. For the first time in 10 years his Parkinsonian tremors and myoclonus and other movement disorder symptoms are almost totally gone and he is also sleeping thru the nights without having seizure-like spells.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476972
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $104.04
 
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: Aug-1982 Debt/Income ratio: 63%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 18Length of status:21y 3m
Amount delinquent: $0 Total credit lines: 31 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,338Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: lively-deal8 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
CC Payoff - No Delinquencies EVER
Purpose of loan:
This loan will be used to begin paying down credit card debt???

My financial situation:
I am a good candidate for this loan because??
I am eight years away from retiring from UPS -?combined annual income with my spouse is aprox. $120,000.? Just getting 2nd child through college and working on paying off alot of credit card debt accumulated over the years of raising three children while caring for elderly parents.? I make all payments on time, we want to begin digging out and become completley debt free and are working hard to get these debts paid off.? We want to start with Sears / Citi card -?we have NEVER been late or missed a paymenton any debt we have.?I would rather pay a higher rate to a responsible party than giving these people any more money - and I will STILL pay off the card faster .? HR?rating is most likely due to a medical dispute with pediatrican over a $1000 charge for immunizations for children that were no longer covered under insurance.? dispute has since been paid in full as of 9-10-10. Inquiries were from auto dealer - at end of car lease and needed to?lease a new vehicle. We are just a regular family trying to get through these tough times.? In 4 years we will be in fantastic shape with light at the end of the tunnel.
thank you

Monthly net income: $ 4,500 est. (not including spouse)

Monthly expenses: $
??Housing: $ 1790.00
??Insurance: $ 200.00
??Car expenses: $ 660.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476978
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $542.29
 
Auction yield range: 10.79% - 17.00% Estimated loss impact: 11.20%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1978 Debt/Income ratio: Not calculated
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:25y 8m
Amount delinquent: $0 Total credit lines: 20Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $56,914 
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: money-sushi0 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?pay on existing credit cards

My financial situation: is excellent. My husband is a physician
I am a good candidate for this loan because?I do not pay the household expenses and am only responsible for the credit card bills in my name.

Monthly net income: $ based on husband. Yearly income 700,000.

Monthly expenses: $ husband pays household expenses
??Housing: $ have no mortgage and own home. In my name
??Insurance: $ husband pays insurance
??Car expenses: $ husband pays expenses
??Utilities: $husband pays expenses
??Phone, cable, internet: $ husband pays utilities, etc.
??Food, entertainment: $ husband supplies money for these
??Clothing, household expenses $my husband supplies me with money for clothing an household expenses.
??Credit cards and other loans: $ 35,000
??Other expenses: $ 1200. per month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476984
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $82.19
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1993 Debt/Income ratio: Not calculated
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:22y 2m
Amount delinquent: $0 Total credit lines: 15Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,475 
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: asset-knickers1 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
Interior painting
Purpose of loan:
This loan will be used to improve the appearance of my home's interior with the help of a professional painter.

My financial situation:
I am a good candidate for this loan because I am a reliable person in financial matters. It would take a very extreme situation, such as no income at all, to place the payback of this loan in jeopardy.? I work hard to keep my word.

Monthly net income: $ 26,000

Monthly expenses: $ 1250
??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 477002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1989 Debt/Income ratio: 29%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:21y 5m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,917Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: basis-friend9 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
working capital
Purpose of loan:? Working capital loan????????
This loan will be used to?

My financial situation: Own my bussiness for 20 years
I am a good candidate for this loan because?

Monthly net income: $6000

Monthly expenses: $ 4500
??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 463513
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.0%  
   
 
Starting lender yield: 12.65% Starting borrower rate/APR: 13.65% / 15.80% Starting monthly payment: $510.12
 
Auction yield range: 5.79% - 12.65% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.49%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1999 Debt/Income ratio: 32%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 41 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,096Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: MacDeuce Borrower's state: Ohio Borrower's group: CWA and other Union Members
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 56 ( 100% ) 740-759 (Latest)
Principal borrowed: $16,000.00< 31 days late: 0 ( 0% )  
660-679 (May-2010)
660-679 (Mar-2010)
620-639 (Aug-2008)
600-619 (Jun-2008)
 
Principal balance: $1,976.49 31+ days late: 0 ( 0% )
Total payments billed: 56  
Description
Journeyman PayOFF!
Purpose of loan:
Consolidate all outstanding credit card/loan debt!
My financial situation:
I have been faithfully committed to the payment of my two prosper loans.? One has been paid off, the other is only months away.? This system has worked well for me in adhering to a monthly budget.? I am very happy with knowing that I have one fixed payment!? I am currently a journeyman wireman in Local 38 of the IBEW.? I am steadily employed, as is my wife.? I hope you can help us with one final push to rid ourselves of credit card debt!
Monthly net income: $ 5000

Monthly expenses: $
??Housing: $570
??Insurance: $80
??Car expenses: $350
??Utilities: $150
??Phone, cable, internet: $100?
??Food, entertainment: $300
??Clothing, household expenses $200
??Credit cards and other loans: $ 100 (0% Lowes, Home Depot)
??Other expenses: $?510 (New prosper Loan!!!)

Total: $2360

My total debt is only $9000, however, my Wife and I have recently joined forces in our budgeting.? She currently has $6000 in unsecured debt.

Thanks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469417
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 10.79% Starting borrower rate/APR: 11.79% / 15.02% Starting monthly payment: $264.91
 
Auction yield range: 10.79% - 10.79% Estimated loss impact: 10.02%  
Lender servicing fee: 1.00% Estimated return: 0.77%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1999 Debt/Income ratio: 19%
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,938Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: chrisbaniqued Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 97% ) 720-739 (Latest)
Principal borrowed: $10,000.00< 31 days late: 1 ( 3% )  
640-659 (May-2007)
600-619 (Aug-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
new car for our lil' bundle of joy
This is my 2nd time around requesting a loan. I paid off the 1st loan and this one will go to purchasing a new car. I'm getting rid of my Kia Spectra which served me for 10 yrs.

We had a new bundle of joy this year, and this money will go towards that goal.

Check my profile to see pictures of my little one :)

Thank you for all your help.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472349
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 16.79% Starting borrower rate/APR: 17.79% / 21.14% Starting monthly payment: $136.98
 
Auction yield range: 16.79% - 16.79% Estimated loss impact: 19.22%  
Lender servicing fee: 1.00% Estimated return: -2.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-2003 Debt/Income ratio: 9%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 2 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,768Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: Joemc22 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
Pay off a credit card within 2 - 2 1/2 years

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

Monthly net income: $ 2300

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Food, entertainment: $ 25
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 475857
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 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: 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-1986 Debt/Income ratio: 60%
Credit score: 800-819 (Sep-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:13y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,722Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%  
   Homeownership: Yes  
Screen name: poetic-loan4 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
Divorce done, Debt isn't..
Purpose of loan:
This loan will be used to? Catch up bills that were being paid absolute minimums during my divorce.

My financial situation:
I am a good candidate for this loan because? I am a disabled veteran with guaranteed income.? I take my debts seriously and have maintained my bills at all times.

Monthly net income:? $2523

Monthly expenses: $ 2020
??Housing: $ 650
??Insurance: $ 32
??Car expenses: $ 75
??Utilities: $220
??Phone, cable, internet: $ 193
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476103
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.79% - 24.00% Estimated loss impact: 37.98%  
Lender servicing fee: 1.00% Estimated return: -13.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1998 Debt/Income ratio: 33%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 3Length of status:0y 0m
Amount delinquent: $1,976 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,294Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: dollar-system Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Regaining control of debt
Purpose of loan:
This loan will be used to? catch up delinquent payments and aid in moving costs due to?separating from my wife.? ?

My financial situation:
I am a good candidate for this loan because? my current salary does not list my veterans disibility payment or my education housing allowance from the Veterans Administration.

Monthly net income: $ 4816.00

Monthly expenses: $
??Housing: $ 589.00
??Insurance: $ 137.00
??Car expenses: $ 318.00
??Utilities: $ 150.00
??Phone, cable, internet: $?200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 1150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476673
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 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: $188.45
 
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: Dec-1993 Debt/Income ratio: 2%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 0Length of status:23y 0m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: cunning-money6 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Medical Bill & Student Loan
Purpose of loan:
This loan will be used to? pay off medical bills and student loan. I rather pay investors than pay day loan folks.

My financial situation:
I am a good candidate for this loan because?I have the monthly income to pay back in 6 months. I rather pay investors than pay day loan companies. I withdrew previous loan request and requested a lower amount for better funding possibilities.
Monthly net income: $ 6,000

Monthly expenses: $
??Housing: $
??Insurance: $ 200.00
??Car expenses: $ 200.00
??Utilities: $ 350.00
??Phone, cable, internet: $ 450.00
??Food, entertainment: $ 800
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ medical 8,000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1992 Debt/Income ratio: 42%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 32 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,719Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: dedication-kingdom 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
Help me Get of out Debt!
Purpose of loan:
This loan will be used?to consolidate my debt.?

My financial situation:
I am a good candidate for this loan because I always pay off my debts.? If I could get this loan at a low interest rate and pay off some debt. I could repay this loan?in less time.??

Monthly net income: $ My montly income is 3000.00.

Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ 59.00
??Car expenses: $ 647.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $?200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476685
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1999 Debt/Income ratio: 26%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,040Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: funds-whamo Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
Pay of Credit cards????

My financial situation:
Because I want to eliminate my debt and I have never been late or missed any payments
My Plan is to be debt free in five years and to simplify my life. My Job Is in credit Collections So I have A very Stong Belief of paying my bills on time!

I cant do this with credit cards as they will take 12 to 41 years to pay off no matter what there apr's are...............I want a solid loan with a pay off date.Monthly net income: $ 6700

Monthly expenses: $
??Housing: $1400
??Insurance: $ 50
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 4 First credit line: Jan-2000 Debt/Income ratio: Not calculated
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,578Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: priceless-generosity0 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
consolidating high intrest cards
Purpose of loan:
This loan will be used to pay down high interest rate credit cards.

My financial situation:
I am a good candidate for this loan because although i have high interest rate credit cards and outstanding debt i have never missed a bill or loan payment.? I would not be taking out this loan if i couldnt 100% pay it back in a timely fashion.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476703
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $249.11
 
Auction yield range: 10.79% - 11.00% Estimated loss impact: 11.03%  
Lender servicing fee: 1.00% Estimated return: -0.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-1996 Debt/Income ratio: 32%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $26,267Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: tenacious-bid4 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
Nuclear Medicine Student
Purpose of loan:
This loan will be used to help get through 1 year of nuclear medicine school.? I will graduate in September of 2011.? I have already completed 2 years of radiologic technology school and graduated June 11th 2010.? I wanted to continue my education and luckily was one of only 5 students to be accepted to nuclear medicine school.?

My financial situation:
I am a good candidate for this loan because I am very good at paying my debts.? The only reason my debt to income ratio is high is because I chose to go back to school.? My education is very important to me and I am almost done.

Monthly net income: $1000.00 since I am a full time student who is working part time.

Monthly expenses: $
??Housing: $?0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2008 Debt/Income ratio: 15%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 8 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,551Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: persistent-loot068 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
Need to consolidate my loans
Purpose of loan:
This loan will be used to? pay off all my loans.

My financial situation:
I am a good candidate for this loan because? I?am getting married and this will help out with my?future.?

Monthly net income: $
4800.00
Monthly expenses: $
??Housing: $?400
??Insurance: $ 90
??Car expenses: $ 250
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $?75
??Credit cards and other loans: $ 2700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476727
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $616.41
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1997 Debt/Income ratio: Not calculated
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,888Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: orange-marketplace-stockpiler Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
start mobile bakery
I am a classically trained pastry chef with 6 years of professional experience, and for the last few years I have been working in jewelry design. I am seeking out a loan to purchase a step van and baking equipment to convert it into a mobile bakery. I have written a business plan and am working with a designer on an identity package. I am confident in this business venture. I hope to start operations in the late spring of 2011.It will be a seasonal business and I will go back to the jewelry position in the off season as I have for the last few years.

I will offer products made with local eggs, dairy, and produce. My menu will range from pies, chocolates and confections, to pickles and preserves. I will be open from 3pm-11pm Friday-Sunday parked near the downtown restaurants, will do Wednesday farmer's market, and local festivals and events. In the second year I plan to branch out and do larger events in surrounding areas and other farmer's market. I see myself being in this business for many years to come and slowly growing my business at a pace I can keep up with.
Thank you for your interest.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476733
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $216.91
 
Auction yield range: 16.79% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-2001 Debt/Income ratio: 40%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 39 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,309Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: useful-platinum Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Apr-2010)
640-659 (Dec-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 2  
Description
Paying off higher rate Debt!!
Purpose of loan:
This loan will be used to pay off a couple small credit cards and?a personal loan that i used to purchase new electronics for my home.
My financial situation:
i currently have 2 jobs and make all my bill payments on time. I have used prosper in the past and paid back the loan within 3 months.?

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $0 Live with parents?
??Insurance: $ 25
??Car expenses: $400
??Utilities: $
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.79% - 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-1998 Debt/Income ratio: 24%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 4Length of status:19y 2m
Amount delinquent: $0 Total credit lines: 22 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $6,867Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: velocity-jamboree Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? pay bills

My financial situation:
I am a good candidate for this loan because? I have recieved an increase in income.

Monthly net income: $ 4100

Monthly expenses: $
??Housing: $ 625
??Insurance: $ 95
??Car expenses: $?196
??Utilities: $?200
??Phone, cable, internet: $?75
??Food, entertainment: $ 100
??Clothing, household expenses $ 300
??Credit cards and other loans: $?150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476775
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $484.01
 
Auction yield range: 5.79% - 9.00% Estimated loss impact: 6.09%  
Lender servicing fee: 1.00% Estimated return: 2.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1991 Debt/Income ratio: 26%
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:12y 11m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,731Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: asset-advocator 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
Payoff Credit Cards
Purpose of loan:
This loan will be used to? pay off existing credit cards

My financial situation:
I am a good candidate for this loan because? I have had a stable job for almost 13 years, own a home, and have a good credit score.

Monthly net income: $ 5500

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 500
??Phone, cable, internet: $ 250
??Food, entertainment: $ 800
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1000
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1989 Debt/Income ratio: 17%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 22Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 8Length of status:1y 4m
Amount delinquent: $5,126 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,708Stated income:$75,000-$99,999
Delinquencies in last 7y: 16 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: innocent-gain671 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
My personal loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.99% Starting borrower rate/APR: 19.99% / 23.38% Starting monthly payment: $278.69
 
Auction yield range: 13.79% - 18.99% Estimated loss impact: 15.04%  
Lender servicing fee: 1.00% Estimated return: 3.95%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1995 Debt/Income ratio: 39%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 19Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,767Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: shrewd-community8 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 high interest cards
Purpose of loan:
This loan will be used to? Pay off high interest credit cards

My financial situation:
I am a good candidate for this loan because? I have a stable employment history and income.? As you can see, I have a solid history of making payments on time.? I have no delinquencies in the past 7+ years.

Monthly net income: $5250

Monthly expenses: $
??Housing: $ 785
??Insurance: $ 125
??Car expenses: $800
??Utilities: $ 300
??Phone, cable, internet: $?175
??Food, entertainment: $ 400
??Clothing, household expenses $100
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.5%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $327.15
 
Auction yield range: 3.79% - 9.95% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: May-1987 Debt/Income ratio: 8%
Credit score: 800-819 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $204Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: bonus-elevator4 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan For Moving Expenses
Purpose of loan:
Be used to cover moving expenses back to our home base?in the?Houston area for my new job there.?

My financial situation:
I am a good candidate for this loan because of my credit score (+750) and my continous employment of over 24 years in the engineering and contruction management in the oil and gas business (never once filed for unemployment).?

Your consideration is greatly appreciated and should you need additional information, please do not hesitate to contact me at any time.?

Thank you.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476823
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 10.79% Starting borrower rate/APR: 11.79% / 15.02% Starting monthly payment: $413.93
 
Auction yield range: 10.79% - 10.79% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-2004 Debt/Income ratio: 16%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,466Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: bold-spry-wealth Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation/Great DTI
Purpose of loan:
This loan will be used to? Pay off credit cards and consolidate debt with lower interest. With this loan, my husband and I will be completely debt free except for the house.

My financial situation:
I am a good candidate for this loan because? We are smart with our money. My husband is an accountant currently studying for the CPA exam. We own a home with approximately $42k in equity based on an appraisal done last month. This loan will allow us to reduce our total monthly expenses regarding revolving credit lines, and pay off the debt much much faster!

Monthly net income: $ 2116

Monthly expenses: $
??Housing: $ 534
??Insurance: $ 40
??Car expenses: $ 150
??Utilities: $ 180
??Phone, cable, internet: $ 75
??Food, entertainment: $ 175
??Clothing, household expenses $ 100
??Credit cards and other loans: $ to be consolidated here
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476857
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.2%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
 
Auction yield range: 13.79% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1988 Debt/Income ratio: 31%
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 57 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,272Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: nimble-vigilance7 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
Debt Consolidation/Personal Debt
Purpose of loan:
This loan will be used to? Pay off debt to IRS and small personal loan

My financial situation:
I am a good candidate for this loan because? I am trustworthy to repay the loan in full, looking to improve credit after a divorce and would like to pay off an IRS tax debt that carries high penalty charges

Monthly net income: $ 1900????

Monthly expenses: $
??Housing: $ 350 Rent
??Insurance: $ 100
??Car expenses: $ 330
??Utilities: $ 0
??Phone, cable, internet: $ 75
??Food, entertainment: $?50
??Clothing, household expenses $ 50
??Credit cards and other loans: $?375
??Other expenses: $?300 (groceries)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1992 Debt/Income ratio: 3%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:31y 9m
Amount delinquent: $0 Total credit lines: 6 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $324Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: orange-zippy-bid Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Truck repair and upkeep
Purpose of loan:
This loan will be used to? repaint my Truck which is?a 1993 and it needs a full brake job and?tires, the engine needs a tune-up with a couple of repairs, also There is a 1996 Camper on it which needs some repairs to Fridge and Toilet, and a new mattress, and some of the roof vents need to be replaced. I would also like to have some leftover cash for minor repairs around the lot which I live, water well needs flushing out and some fence repair

My financial situation:
I am a good candidate for this loan because? I have steady employment for the past 30 yrs.and maintain the highest rating in my field
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.46% Starting monthly payment: $61.64
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2000 Debt/Income ratio: Not calculated
Credit score: 720-739 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $494Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: pound-zone3 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 bills from recent event
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 476903
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-2006 Debt/Income ratio: 14%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,956Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: WildcatKentucky Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Refinancing Credit Card Debt
Purpose of loan:
This loan will be used to consolidate debt on my credit cards at a lower interest rate.

My financial situation:
I am a good candidate for this loan because I have a steady job with almost $50k in yearly income. I hold a bachelor's degree in financial management and always pay my bills on time.

Monthly net income: $ 3,000

Monthly expenses: $?1,600


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,600.00 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% / 38.88% Starting monthly payment: $72.38
 
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: Sep-2004 Debt/Income ratio: Not calculated
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 4 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,920Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: artist8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help Teacher Aide with Apt. Deposit
Purpose of loan:
This loan will be used to help me pay my first month's rent and deposit on a new apartment as I start a new job and get on my feet.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time and generally pay more than the minimum balance on my credit cards. My credit card balance is currently high because I was in between jobs but I've always paid it on time, for the past 24 months, which is as long as it has been opened. I also have a vehicle that I've been making payments on for the past two years, and is almost paid off. I do receive some support from friends and family.

Monthly net income: $1300

Monthly expenses: $
??Housing: $700
??Insurance: $
??Car expenses: $200
??Utilities: $30
??Phone, cable, internet: $80
??Food, entertainment: $70
??Clothing, household expenses $
??Credit cards and other loans: $50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476917
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $636.77
 
Auction yield range: 10.79% - 29.00% Estimated loss impact: 10.53%  
Lender servicing fee: 1.00% Estimated return: 18.47%  
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: Jul-1998 Debt/Income ratio: 26%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 11 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $20,499Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: richland100 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 17 ( 46% ) 660-679 (Latest)
Principal borrowed: $25,000.00< 31 days late: 19 ( 51% )  
600-619 (Aug-2008)
660-679 (Feb-2007)
 
Principal balance: $106.91 31+ days late: 1 ( 3% )
Total payments billed: 37  
Description
Debt Consolidation & Investment
Purpose of loan:
This loan will be used to? Consolidate Debt and Investment.? But, the loan will be paid back through employent proceeds as in my first Prosper loan.

My financial situation:
I am a good candidate for this loan because? I always pay my bils and I have had a $25,000 loan with Prosper already, and have succesfully paid it off in the beginning of this year.

Monthly net income: $ 10000

Monthly expenses: $
??Housing: $ 0 I work out of?state and country, my housing is always paid?by company
??Insurance: $ 300
??Car expenses: $ 719
??Utilities: $ 0
??Phone, cable, internet: $ 120 - mobile phone
??Food, entertainment: $ 1000
??Clothing, household expenses $?300
??Credit cards and other loans: $ 800
??Other expenses: $ 450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476921
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.3%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1999 Debt/Income ratio: 8%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 4Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $0 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: pleasant-principal6 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidation , etc.
Purpose of loan:
This loan will be used to? consolidations, home inprovements

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

Monthly net income: $ 2,950.00

Monthly expenses: $
??Housing: $ 1050.00
??Insurance: $ 140.00
??Car expenses: $ 60.00
??Utilities: $ 290.00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $?175.00
??Clothing, household expenses $?00
??Credit cards and other loans: $50.00
??Other expenses: $ 25.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.8%  
   
 
Starting lender yield: 32.00% Starting borrower rate/APR: 33.00% / 36.68% Starting monthly payment: $573.45
 
Auction yield range: 10.79% - 32.00% Estimated loss impact: 10.61%  
Lender servicing fee: 1.00% Estimated return: 21.39%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1992 Debt/Income ratio: 27%
Credit score: 700-719 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:19y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,475Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: bonus-forte 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: 23 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
620-639 (Oct-2008)
 
Principal balance: $1,979.69 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate and pay off all high interest debt to help eliminate higher percentage ratings and have only one payment that can be paid in full in under the 36 month requirement.
My financial situation:
I am a good candidate for this loan because I currently have a Prosper loan with a flawless payment history that I will pay in full if this loan is funded and I plan on paying this loan back early as well.? I am also a home owner and have had an excellent payment history also.

Monthly net income: $6528.91

Monthly expenses: $
??Housing: $ 1156.81
??Insurance: $65.00
??Car expenses: $510.00
??Utilities: $150
??Phone, cable, internet: $180
??Food, entertainment: $250
??Clothing, household expenses $250
??Credit cards and other loans: $1318.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 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: $81.42
 
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): 5 First credit line: Nov-1991 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2010) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 17Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,208 
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: worthy-principal345 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 IRS debt.
Purpose of loan:
Paying off IRS debt.

My financial situation:
I am a good candidate for this loan because? I can pay back the loan short term

Monthly net income: $ 2000

Monthly expenses: $ 600
??Housing: $ 0
??Insurance: $ 50
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $828Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: webuyhosts Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 52 ( 100% ) 740-759 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
740-759 (Nov-2009)
740-759 (Oct-2009)
660-679 (Jul-2009)
640-659 (Apr-2009)
 
Principal balance: $4,146.78 31+ days late: 0 ( 0% )
Total payments billed: 52  
Description
4th loan thru prosper 740 score
Purpose of loan:
This is my 4th loan thru prosper, they have me at a HR rating but my credit score is over 740. If you look at my payment history you can see iam not an HR . This is my 4th loan thru prosper.We are using this loan to pay off the current open loan and finish off the septic system at our house.
My financial situation:
We are every finacially healthy havent been late on a payment in 10 years.?

Monthly net income: $
7000.00
Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 200
??Car expenses: $ 275
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.8%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $164.38
 
Auction yield range: 10.79% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1993 Debt/Income ratio: 22%
Credit score: 680-699 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:20y 8m
Amount delinquent: $0 Total credit lines: 32 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,631Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: the-ecstatic-principal Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate credit cards to just 1 payment.

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

Monthly net income: $ 4170

Monthly expenses: THESE EXPENSES ARE SHARED WITH MY WIFE:?
??Housing: $?1100
??Insurance: $ 100
??Car expenses: $350
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600+
??Other expenses: $ 200+
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.6%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.79% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: May-1993 Debt/Income ratio: 30%
Credit score: 660-679 (Sep-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 10 Current / open credit lines: 6 / 6Length of status:12y 8m
Amount delinquent: $0 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $263Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: madman1 Borrower's state: Illinois Borrower's group: NO DELINQZ
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 4 On-time: 70 ( 100% ) 660-679 (Latest)
Principal borrowed: $24,890.00< 31 days late: 0 ( 0% )  
660-679 (Dec-2009)
580-599 (Dec-2007)
580-599 (Nov-2007)
600-619 (Nov-2006)
 
Principal balance: $7,117.63 31+ days late: 0 ( 0% )
Total payments billed: 70  
Description
5th Prosper Loan-Home Remodeling
Purpose of loan:
This loan will be used to? Invest in my home?by?remodeling?two?rooms in need.
My financial situation:
I am a good candidate for this loan because?I? have make 70 Prosper payments during 48 month period on time and even?many payments?early

Monthly net income: $ 6,500

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

Based upon my previous?70 payments over 48 month period on loans made to Prosper since October 2006 that have been on time and the total of $24,890 borrowed from them this would?make me?an excellent candidate to continue?as a Prosper client?since?I have?never?made any late payments. I have paid off one loan for $10,500 and another one for $8,500 with Prosper the last?4 years so far. So, there should be no problem in?my ability to pay off this loan in a timely manner and have a tentable house for my efforts.
Information in the Description is not verified.