Listing Report:Supplement No. 81 dated Oct 28, 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 467922
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1987 Debt/Income ratio: 49%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:16y 8m
Amount delinquent: $0 Total credit lines: 20Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,183 
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: benjamins-ecstasy 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 a high interest loan.
Purpose of loan:
This loan will be used to?Paying off a high interest loan?

My financial situation:
I am a good candidate for this loan because?I have never missed my credit card and other bill payments?

Monthly net income: $ 2500

Monthly expenses: $ 2100
??Housing: $ 0 (i have reverse mortgage)
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 115
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $?1375
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 477874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.71% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jun-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Sep-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 41 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $25,190Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: bill-jalapeno Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used for debt consolidation to pay off high interest rate credit cards.

My financial situation:
I am a good candidate for this loan because I always make my payments on time and always pay more than the minimum amount.? The one issue that shows on my credit was from my employer changing insurance carriers and neglecting to tell me that the insurance was no longer valid.? I did not find out about this issue until our account was already in collections and already had the ugly mark on my credit.?

Monthly net income: $ 3500

Monthly expenses:
??Insurance: $ 200
??Car expenses: $ 1000
??Utilities: $ 0
??Phone, cable, internet: $ 250
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 479390
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
 
Auction yield range: 13.71% - 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: Apr-1998 Debt/Income ratio: 27%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 3Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 34 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $731Stated income:$1-$24,999
Delinquencies in last 7y: 50 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: Jeves Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2008)
620-639 (Jun-2008)
 
Principal balance: $356.69 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
PAYING OFF MED. BILLS & CREDIT DEBT
Purpose of loan:
This loan will be used to? pay off $1100.00 of medical bills, $360.00 that I still have remaining on my current Prosper Loan, $1800.00 that I owe on a car, and $1740.00 of remaining credit debt.

My financial situation:
I am a good candidate for this loan because? once again, if given the opportunity, I would make all my payments on time by having them automatically withdrawn directly from my account every month.? If you look at my current Prosper Loan, you will see I have never missed or been late on a payment in the last 26 months.

Also, I would like to add that due to the fact I am married, my family's financial income is more than listed, but Prosper only allows you to list your income.? So, therefore we will have no problem in paying this loan back.

Plus, by getting this loan it will help my family save an additional $200 a month on our budget, which we can use to save for the next two years, to put towards a down payment on a house.? Thank you to everyone taking the time to read this and for investing in my family.

Monthly net income: $ 1300.00

Monthly expenses: $ 1300.00
??Housing: $ 400
??Insurance: $ 55
??Car expenses: $ 100
??Utilities: $ 90
??Phone, cable, internet: $ 100
??Food, entertainment: $ 160
??Clothing, household expenses $ 160
??Credit cards and other loans: $ 135
??Other expenses: $ 100 
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481450
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 26.00% / 29.52% Starting monthly payment: $302.18
 
Auction yield range: 16.71% - 24.00% Estimated loss impact: 25.38%  
Lender servicing fee: 1.00% Estimated return: -1.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jan-1998 Debt/Income ratio: 29%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:14y 0m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,826Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: exact-euro7 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
My loan for home improvement
Purpose of loan:
This loan will be used to?
home?improvement (Rental)

My financial situation:
I am a good candidate for this loan because?
Have never been late on my loans in the pass 20yr

Monthly net income: $
7345.00
Monthly expenses: $
??Housing: $1210.00
??Insurance: $
??Car expenses: $494.00
??Utilities: $300
??Phone, cable, internet: $110?
??Food, entertainment: $300
??Clothing, household expenses $200
??Credit cards and other loans: $750
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481668
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $245.84
 
Auction yield range: 16.71% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1988 Debt/Income ratio: 66%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:16y 1m
Amount delinquent: $0 Total credit lines: 32 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,222Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: mbenz Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
Is to pay off my high interest rate credit card in order to help my son with his college tuition /books.

My financial situation:
I am a good candidate for this loan because? I have a stable job and have been working steadily (and may add happily) for more than 17 yrs.

Monthly net income: $
2,200

Monthly expenses: $
??Housing: $
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 55.00
??Phone, cable, internet: $
??Food, entertainment: $?200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Aug-1998 Debt/Income ratio: 5%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 1Length of status:9y 3m
Amount delinquent: $103 Total credit lines: 14 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: commerce-oath 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
updating house to flip and sell
Purpose of loan:
This loan is going to be used for two things, one was to purchase a primary residence second was to fix up and sell current home.? However, the amount needed is higher example i need 30-50,000
My financial situation:
I am an analyst for a Pension Consulting firm for more than nine years, i have a steady weekly paycheck and no outstanding debit.? My credit report showed discrepancies which i am fixing but time is of the essence.? Also it shows i have no debit which has not helped the credit score?

Monthly net income: $ 6500

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 0
??Car expenses: $0
??Utilities: $?220
phone cable and internet $125.00
??Clothing, household expenses $ 100
redit cards and other loans: $
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 9.07% Starting monthly payment: $77.19
 
Auction yield range: 5.71% - 6.00% Estimated loss impact: 6.03%  
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): 8 First credit line: Apr-1989 Debt/Income ratio: 28%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:15y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $860Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: dedicated-coin7 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
Extra Cash
The reason for this loan is simply to have extra cash on hand which is borrowed at a low rate for those unique opportunities in life. I have used large bank personal loans in the past for this purpose. I generally keep a healthy cash reserve and may never use the money; however, paying a little interest over time for liquidities sake has been fruitful for me in the past.I decided to tryout Prosper. If the interest rate I seek cannot be reached I will pass on the loan. I am financially stable, have a regular income, been employed at the same company for 15 years, I am a U.S. Army Veteran, and have excellent credit (pushing an 800 score; sort of surprised with the B-rating). Take care & thanks.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1995 Debt/Income ratio: Not calculated
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,510Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: blue-return-kangaroo Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation for equipment
Purpose of loan:
This loan will be used to? My?Husband and I would use this loan to help consolidate our business equipment. As you can see we have never missed a payment on any financial commitment and we have high credit scores. Because we opened up our salon with all of our personal finances we have different interest rates and payments for different bills. We own a small hair salon and we have been opened now for over a year. Our first year we grossed 250,000 in sales. Our business has increased every quarter that we have been opened anaverage of 7%. My?husband and I both work because we look at our salon as our long term retirement plan. We want our salon to be debt free so we do not earn a paycheck because we are paying everything off first. We started with 120k in debt to open our shop and in the first year we payed off 60k of our debt. At our current pace we will be debt free by the end of next year. Having this loan will give us more flexibility. Thank you for everyone that has supported us! If you have any questions feel free to send us an email. I make 61k a year and my?husband makes?82 k a year

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

Monthly net income: $

Monthly expenses: $
??Housing: $ 1160
??Insurance: $ 200
??Car expenses: $ 300
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 320
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 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-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 3 Current / open credit lines: 3 / 2Length of status:0y 1m
Amount delinquent: $836 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,765Stated income:$1-$24,999
Delinquencies in last 7y: 23 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: deal-kazoo8 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 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 481800
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1994 Debt/Income ratio: 27%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:24y 8m
Amount delinquent: $0 Total credit lines: 38 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,228Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: loyalty-mad-scientist 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
rental repairs/paying off debt
Purpose of loan:
This loan will be used to?pay off/down credit cards and repair rental

My financial situation: is because I share my home with two other owners=high/debt ratio. I need to fix up rental.
I am a good candidate for this loan because? when I repair rental I can increase rent (currently I get $800/mo) or sell which will help with the debt ratio and decrease credit card debt. I pay my bills.

Monthly net income: $ 4000

Monthly expenses: $ 3500
??Housing: $1900 including rental
??Insurance: $80 (car); house included in mort.
??Car expenses: $515
??Utilities: $195
??Phone, cable, internet: $50
??Food, entertainment: $200
??Clothing, household expenses $50
??Credit cards and other loans: $313
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 13.71% Starting borrower rate/APR: 14.71% / 18.00% Starting monthly payment: $138.09
 
Auction yield range: 13.71% - 13.71% Estimated loss impact: 14.79%  
Lender servicing fee: 1.00% Estimated return: -1.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1999 Debt/Income ratio: 27%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 9Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $963Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: DB1980 Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained 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_AutoLoanNegativeEquity_forRefin
Purpose of loan:
This loan will be used to pay down an auto loan and absorb the negative equity in the loan.??Once the principle of the loan is?less than the value of the?vehicle, I would be able to refinance the 15% auto?loan, taken in 2006 before my credit picture gained the strength that?it has today.?

My financial situation:
I am a good candidate for this loan because I haven't ever been late on a payment for my 26 credit lines to date.

Monthly net income: $ 4706

Monthly expenses: $
??Housing:?$650
??Insurance:?$125
??Car expenses: $360?
??Utilities: $90?
??Phone, cable, internet: $150
??Food, entertainment: $430
??Clothing, household expenses $100
??Credit cards and other loans: $630
??Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481812
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jul-2000 Debt/Income ratio: 39%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 20 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: power-floret Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Short term consolidation (Military)
Purpose of loan:
This loan will be used to consolidate and pay off a couple of loans earlier to avoid excess interest and fees.
My financial situation:
I am a good candidate for this loan because we are down to very little debt, and we have over $10,000 in Military pay due to us within the next 4 months that was delayed.?Those funds will then allow us to pay most if not all of the $7500 we are asking for from our Friends at Prosper.

Monthly net income: $ 6270.00

Monthly expenses: $
??Housing: $ 1856
??Insurance: $ 260
??Car expenses: $ 458
??Utilities: $?200
??Phone, cable, internet: $ 56
??Food, entertainment: $?300
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 200
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481814
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 16.71% - 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: Nov-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:15y 3m
Amount delinquent: $0 Total credit lines: 55 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,247Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: urbane-nickel3 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying debt down
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 481818
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $111.49
 
Auction yield range: 16.71% - 19.00% Estimated loss impact: 25.06%  
Lender servicing fee: 1.00% Estimated return: -6.06%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-1969 Debt/Income ratio: 17%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,015Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: the-upbeat-return Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used to?Personal loan?

My financial situation:
I am a good candidate for this loan because of my ability to make payments on time?

Monthly net income: $ 6000

Monthly expenses: $ 3200
??Housing: $ 0
??Insurance: $ 400
??Car expenses: $?200
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1400
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481824
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $203.56
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1995 Debt/Income ratio: 51%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 24Length of status:17y 2m
Amount delinquent: $0 Total credit lines: 69 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,557Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: kind-listing-guardian Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Needed Home Repairs
Purpose of loan:This loan will be used to pay for badly needed home repairs and to pay off a few of the balances on our daughter's wedding expenses.??

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

Monthly net income: $2,800
Monthly expenses: ??Housing: $ 700
Car expenses: $ 60
Miscellaneous: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 60 months Estimated loss: 5.95%  
   
 
Starting lender yield: 16.90% Starting borrower rate/APR: 17.90% / 19.33% Starting monthly payment: $380.09
 
Auction yield range: 6.23% - 16.90% Estimated loss impact: 6.24%  
Lender servicing fee: 1.00% Estimated return: 10.66%  
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): 8 First credit line: Apr-1996 Debt/Income ratio: 17%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $245,013Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: a-bazaar-parsec 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
Ideal borrower seeks medical loan
Dear Prosper Community,

I'm here to ask for your kindness to give me a loan for $15,000 to help pay for my niece's kidney transplant.? My niece is 9 years old, and doctors assume that she has had kidney defects since birth that went undetected until she had a failure at age 6.? She has been on dialysis for the past two years, going on three.? We have been disputing with insurance all these years because they have canceled my sister's policy and I've been paying for dialysis every month.? My sister, who is my niece's mother, is a single mom, and I have been helping them out ever since my niece was diagnosed.? We now have a donor and have been planning diligently for the past 6 months to get my niece the kidney transplant in India. The hospital and the doctor we are working with have performed many kidney transplants in children, and we have met two of those children that live here in the US, who are now living a normal lives without ever needing anymore dialysis. This is what I wish for my niece this Christmas, a normal life.

My monthly expenses, including credit cards, take just 1/4 of my income.? I own a home, that I rented out to move in with my sister to save money so I can pay for dialysis. I used my credit cards to pay for trips to India to prepare for the transplant and that is why my credit cards are at their limits. I have $15k saved for the transplant, but we found out that we need $15k more.

I have equity in my home and retirement funds, but I need to keep those options in case my niece ever need emergency care.? With my niece's condition, my worse fear is she will need immediate medical care that will cost us hundreds of thousands of dollars. With my income, I can afford to pay the $400 a month for this loan. I set aside at least $1,500 every month. I also make $300 profit in rent. I have good credit, paying bills on time for 15 years.? I work hard to pay my bills on time and pay them off. I hope you will help me save my niece.

Thank you for your time, and God bless you all.


MONTHLY INCOME:
$7,000 Net from job
$2,500 from rental of my home
TOTAL: $9,500 per month

MONTHLY EXPENSES:
Housing: $2,055 (As stated above, I receive $2,500 rental income from renting my home to tenants)
Insurance: $150
Car expenses: $460
Elec, gas, water, phone, TV, internet: $500
Food/household expenses: $550
Credit cards and other loans: $950
Other expenses: $1,500 - $2,000 for medical expenses
TOTAL: $6,165 - $6,665 per month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 16.10% Starting monthly payment: $67.77
 
Auction yield range: 5.71% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
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): 8 First credit line: Apr-1974 Debt/Income ratio: 22%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 6 Current / open credit lines: 3 / 3Length of status:22y 1m
Amount delinquent: $2,366 Total credit lines: 29 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $121Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: mxz600 Borrower's state: NewYork Borrower's group: 00 Used Car Loans
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,800.00< 31 days late: 0 ( 0% )  
720-739 (May-2010)
700-719 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
paying off credit cards
Purpose of loan:
This loan will be used to? I am going to pay off our credit cards. [In full]

My financial situation:
I am a good candidate for this loan because? My wife just got a full time job -we have been trying to make due with her working part time but its was tight!

Monthly net income: $ 4400.00

Monthly expenses: $
??Housing: $ 1200.00
??Insurance: $ 119.00
??Car expenses: $ 292.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481836
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $282.56
 
Auction yield range: 16.71% - 20.00% Estimated loss impact: 37.73%  
Lender servicing fee: 1.00% Estimated return: -17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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: Jan-1996 Debt/Income ratio: 44%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 11Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 66 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,205Stated income:$25,000-$49,999
Delinquencies in last 7y: 27 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: piledriver6 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
Starting a home based business
Purpose of loan:
This loan will be used to buy a website that will be accessible via Yahoo, Google, and Bing.? The website will automatically update new products and will allow clients to pay via credit card or PayPal.

My financial situation:
I am a good candidate for this loan because I pay my bills early or on time.

Monthly net income: $ 3053.44

Monthly expenses: $
??Housing: $ 1060.00
??Insurance: $ 58.00
??Car expenses: $ 260.00
??Utilities: $ 130.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 750.00
??Other expenses: $ 80.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481848
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $102.73
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1996 Debt/Income ratio: 18%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:20y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $64,516Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: special-value5 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
purchase new equipment
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 481850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.71% - 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-1994 Debt/Income ratio: 44%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 19 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,109Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: AY23 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
PayBills
Purpose of loan:
This loan will be used for?
Consolidation
My financial situation:
I am a good candidate for this loan because? I have a strong history of paying everything back on time. Although my credit doesn look great,?I have paid 2 loans in full within the past 30 day and has yet to be reflected in my credit score.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 800
??Insurance: $?215 (health and auto)
??Car expenses: $ 512
??Utilities: $ 0
??Phone, cable, internet: $?84
??Food, entertainment: $ 150
??Clothing, household expenses $?50
??Credit cards and other loans: $602
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481854
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1993 Debt/Income ratio: 15%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $22,699Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: newest-justice-network 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
raejazindi
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 481856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 20.24% Starting borrower rate/APR: 21.24% / 24.66% Starting monthly payment: $188.99
 
Auction yield range: 13.71% - 20.24% Estimated loss impact: 15.10%  
Lender servicing fee: 1.00% Estimated return: 5.14%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-2006 Debt/Income ratio: 15%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 4 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,783Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: dinero-control Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off My Debt
The purpose of this loan would be to consolidate my credit card debt. I have never had a problem paying over the monthly minimum on any card, however I believe that consolidating my debt into one monthly payment will help me pay off my total debt faster and with less headaches. Having one due date instead of four would give me the ability to pay a larger monthly amount than I am paying right now. Currently I put down about $500-600/month towards my total debt, however because I have multiple cards with balances, that means I am only putting down about $150/month on each card.

My other bills are minimum comparatively. Insurance, rent, and utilities come to about $750/month. I put $100-200/month in Savings. Personal Living expenses are $300-400/month. I pull in about $2,000/month in salary.

Most of my debt comes from moving costs. Last year I moved from Seattle, WA to San Diego, CA and was unexpectedly without a job for a couple of months. With my current situation and payments I could potentially have my total debt paid off within about 18 months. I believe if I can consolidate through a lender on Prosper, that I can pay off my debt much quicker.

**My dog is an Olde Boston Bulldogge. He is very sweet. I recommend the breed to anyone with children. They are very tolerant and laid back :)**
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481868
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.71% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Oct-1990 Debt/Income ratio: 22%
Credit score: 600-619 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 6Length of status:11y 1m
Amount delinquent: $388 Total credit lines: 20 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,628Stated income:$50,000-$74,999
Delinquencies in last 7y: 18 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: SCHOOLTEACHER64 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 600-619 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
620-639 (Jun-2008)
 
Principal balance: $2,361.93 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
GETTING A MASTER'S AND PAY RAISE
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 481872
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $108.46
 
Auction yield range: 16.71% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-1997 Debt/Income ratio: 25%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 18Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 52 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,026Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: currency-maestro2 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off high interest debt incurred from wedding expenses and unexpected / uninsured estate expenses related to selling mother-in-laws residence.

My financial situation:
I am a good candidate for this loan because I always pay my bills and will pay off this loan/further reduce my debt with additional part time income while wife is working seasonal retail.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: 1800$
??Insurance: 160$
??Car payment: 610$
??Utilities: 150$
??Phone, cable, internet: 70$
??Food, entertainment: 200$
??Credit cards and other loans: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-2008 Debt/Income ratio: 21%
Credit score: 740-759 (Sep-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 2 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: independent-money 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
My loan for an auto purchase
Purpose of loan:
This loan will be used to buy an auto where I can get a better job.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time and I can get a car like i always wanted.

Monthly net income: $
1,640 a month

Monthly expenses: $
??Housing: $ I live with my mother help around but not on a daily bases.
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 96.78 my cell phone bill monthly
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $205.47
 
Auction yield range: 10.71% - 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: Apr-1994 Debt/Income ratio: 32%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,471Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: kind-finance-adventure 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
daughter's wedding
Purpose of loan:
This loan will be used to? Finance my daughter's wedding.? I also plan on making more than the minimum payment to pay this loan.? My husband is currently on temporary social security, earning $800.00 a month.

My financial situation:
I am a good candidate for this loan because? I have no trouble paying my bills

Monthly net income: $ 3500.00

Monthly expenses: $
??Housing: $500.00
??Insurance: $200.00
??Car expenses: $ 500.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 24.45% Starting borrower rate/APR: 25.45% / 28.96% Starting monthly payment: $299.99
 
Auction yield range: 10.71% - 24.45% Estimated loss impact: 10.40%  
Lender servicing fee: 1.00% Estimated return: 14.05%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1989 Debt/Income ratio: 26%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 14 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,057Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: xsteedx Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 96% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 1 ( 4% )  
720-739 (Sep-2008)
 
Principal balance: $1,804.33 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
College Debt Consolidation
Purpose of loan:
Good day. I'm applying for this loan to consolidate debt from my five year college undergraduate experience. I recently graduated with a business degree and have about 3-4 loans I'd like to pay off and combine into one with Prosper. I am familiar with Prosper and this will be my second loan. I have never missed a payment with Prosper as noted above. I'm simply looking to advance myself in life now and get caught up so I can begin putting money away as a professional. Any help would be greatly appreciated! Thank you.

My financial situation:
I am a good candidate for this loan because? I'm a good candidate for this loan because I pride myself on organization and take great responsibility in my financial life. I'm honest, hard working and always looking to stay ahead of the game in all aspects of life.

Monthly net income: $2,800
??Housing: $480
??Insurance: Paid by employer
??Car expenses: $0
??Utilities: $80
??Phone, cable, internet: $65
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 10.71% - 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): 6 First credit line: Sep-2000 Debt/Income ratio: 36%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:0y 7m
Amount delinquent: $2,795 Total credit lines: 22 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $114Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: MassBile 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
730 CS!! Lender Looking to Borrow
Purpose of loan:

This loan will be used to consolidate 2 high monthly payment loans I currently have.? One of the accounts is a vehicle loan which I'm currently paying $435 a month.? The other is a personal loan that has a payment of $419.? Right now I'm willing to pay the higher interest rate in order to lower my overall monthly payments.

My financial situation:

I'm a United States military reserve?service member with a full time job as a Network Administrator.? I'm?dedicated to maintaining and improving my financial situation.? I'm also a Prosper lender with over 15 active loans and notes currently funded.? I can provide statistics on my current and past lending at any time.?

As for the Amount delinquent: of $2,795 listed, this is a school loan balance I have directly with the college I graduated from in February of this year.? I was unaware of this balance since I was utilizing the GI Bill.? Since the GI Bill didn't cover my full tuition I missed 1 month payment.? I'm currently paying $50 a month on this loan.

I wanted to repost this loan since changing from military?enlisted to reserves and to list my current employer and income.? There is no reserves occupation so I had enlisted checked.

Monthly net income: $ 4850 (Includes my wife's?Basic Allowance for Housing rate)

Monthly expenses: $ 2370

??Housing: $ 900?
??Insurance: $ 85
??Car expenses: $ 435
??Utilities: $ 100?
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $?500
??Other expenses: $ 100

Please feel free to ask any questions you may have.?Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481888
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1998 Debt/Income ratio: 13%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 34 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,594Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: bstyle8 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
Rental Property Repairs - New Roof
Purpose of loan:
This loan will be used to replace a leaking roof at one of my rental properties before winter sets in.

My financial situation:
I am a good candidate for this loan because I work full time and make $60K annual salary from my job (verified) and I make an additional 105K a year in rent from 6 rental properties that I own although 60K goes towards mortgages, taxes, insurance, etc. and the rest goes into updates/repairs and maintaining the properties in tip-top condition. I have no clue on why my prosper rating is an E when my credit score is almost 700 and my credit profile is generally in good shape. I would not normally apply for a loan on here but like most I had my credit lines reduced this year (read on Google about banks 'chasing the balance' which is what happened to me) and has made it more difficult for me to borrow. I am also currently at the low end of my cash-flow cycle (I rent to college students and get another 15K in rent in January for the spring semester) but didn't budget well enough for a new roof. I am raising the interest rate I will pay on this loan and re-listing it in the hopes it can get funded this time.

I respectfully thank you for your consideration and assistance.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481894
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 60 months Estimated loss: 1.55%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 11.22% Starting monthly payment: $326.14
 
Auction yield range: 3.23% - 10.00% Estimated loss impact: 1.56%  
Lender servicing fee: 1.00% Estimated return: 8.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jul-2001 Debt/Income ratio: 13%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 16 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,219Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: courteous-durability748 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
Funding for my wedding
Purpose of loan:
I will be using these funds for my?wedding expenses.?

My financial situation:
I am a good candidate for this loan because I am a CPA with a very stable job at a big 4 public accounting firm, specializing in the government contracting and financial services industries.? I have excellent credit, and have a strict budget with low expenses, enabling me to easily make the payments for this loan.

My monthly budget is as follows:
Monthly Cash Inflow:????$3,068
My portion of rent:?????????? 400
Comcast and utilities: about 225
Groceries, misc.:????????????300
Car insurance, gas:????about 210
Entertainment:??????? ???about 100
Net Cash Surplus:????????$1,833

My budget would easily allow me to make monthly payments of $326.14 per month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481902
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $336.52
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1984 Debt/Income ratio: 17%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 10Length of status:26y 2m
Amount delinquent: $1,716 Total credit lines: 49 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,065Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: kindness-trapper 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
Consolidation of all bills
Purpose of loan:
This loan will be used to? consolidation of all bills

My financial situation:
I am a good candidate for this loan because? payment can be withdrawn electronically from my bank account.I am a good person.I just need help with this final adjustments.I donot pay for all the bills that we have .My wife shares the bills ,She nets 3100 per month.Combined 6845.
Please hlp with this final consolidation.
Monthly net income: $ 3745

Monthly expenses: $
??Housing: $ 1015
??Insurance: $ 224
??Car expenses: $ 100
??Utilities: $ 600
??Phone, cable, internet: $ 50
??Food, entertainment: $ 800
??Clothing, household expenses $
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.71% - 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-1995 Debt/Income ratio: 35%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,295Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: jscarpati Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 97% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 1 ( 3% )  
700-719 (Sep-2010)
680-699 (Sep-2007)
700-719 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
GREAT BORROWER - home improvements
We need to make a major capital improvement in our home. I have great credit, a great credit score and have a good track record here on Prosper (just paid off a Prosper loan). I called Prosper today to ask why I have an HR rating with them. They said that while my credit and credit score are very good, I have high DTI, and this is why. That's reasonable, but my DTI will be changing in two weeks as we are closing on our mortgage refinance at a very low interest rate, leaving us a lot more left over each month to pay down our bills. We make every payment on time, all the time, but now we can triple them up to close off balances.

However, and this is the reason I'm here, we need a new roof before the winter and the best roofer in town does not do financing. We REALLY cannot wait a month to get the work started. We can pay this loan off with no problem, even with the high interest rate. You can be confident in your investment with me. I'm a responsible homeowner, a good husband, and have a good job (even in this economy). Any questions? Just let me know.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481910
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $123.28
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-1984 Debt/Income ratio: 19%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:15y 1m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46,948Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: speedy-truth4 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
Unexpected Personal Expenses
Purpose of loan:
This loan will?be used to?pay a portion of the annual property taxes on my home.? The?funds,?which I?had previously allocated for the tax bill, were used unexpectedly when my mom?was diagnosed with cancer?and I was traveling back/forth to see her in another state?for several months.? In addition to my cash savings, I also used a portion of my open credit card lines to purchase plane tickets, rental cars, etc.?? At this time, I am?ecstatically happy to report that she is now?in?remission.? In my previous listing, I did not detail the reason for my unexpected expenses because it is so personal but a prospective lender asked the question so I thought I would share the story in this listing so you understand the background on my loan request.? Thank you very much for considering my loan request.?

My financial situation:
I am a good candidate for this loan because I have a stable position in the high tech industry?(15 years of increasing responsibility with the?same organization), I have owned my own home for 12 years and my?credit rating has historically been?"excellent" until?recently when it has?decreased (low 700s now) due to?the use of some of my open credit lines to cover?unexpected personal expenses.? Additionally, please note that I have no?late payments nor delinquencies?on my credit report.??Lastly, it is my intention to retire this loan early and pay it off in its entirety?in June 2011 using funds from my annual bonus.?

Monthly net income: $ 6700

Monthly expenses: $?5303 (inclusive of new Prosper?monthly loan payment)
??Housing: $ 1,448 first mortgage + $993 2nd mortgage
??Insurance: $ 88 (car)
??Car expenses: $ 426?
??Utilities: $?200
??Phone, cable, internet: $ 125??
??Food, entertainment: $?400
??Clothing, household expenses $?200
??Credit cards and other loans: $ 1300 + $123.28 for this?prosper loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 39.57% Starting monthly payment: $53.84
 
Auction yield range: 13.71% - 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: Feb-1999 Debt/Income ratio: 28%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 20 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,480Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: velocity-carrier 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: 0 / 1 On-time: 1 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2010)
680-699 (Aug-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Teaching Supplies
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 481914
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $134.61
 
Auction yield range: 13.71% - 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-1997 Debt/Income ratio: 31%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 66 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,944Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: blue-lucrative-exchange Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need some extra cash.
Purpose of loan:
This loan will be used to pay off some immediate bills.

My financial situation:
I am a good candidate for this loan because I will diligently make each monthly payment as it comes due.? You, the lender are looking for a good investment.? I, the borrower, am looking to get rid of some pending bills.? It's a win/win for both of us.? Also, if you are concerned with an inability to meet my obligation, don't be.? I have yet to be delinquent on a monthly payment and don't intend to start now.? Besides, I would rather pay?the monthly interest to you my good lenders.

Monthly net income: $
4,580 per month.? Also receive a 15,000 YE bonus.

Monthly expenses: $
??Housing: $ 850
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481918
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 35.35% / 39.08% Starting monthly payment: $272.61
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1995 Debt/Income ratio: 15%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 44 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,936Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: luminous-credit2 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 card bill
Purpose of loan:
This loan will be used to pay a credit card off.?

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

Monthly net income: $
9642.86
Monthly expenses: $
??Housing: $1718.00
1??Insurance: $ 148.00
??Car expenses: $ 712.00
??Utilities: $ 250.00
??Phone, cable, internet: $112.00
?Food, entertainment: $eat at home?
??Clothing, household expenses $ 0
??Credit cards and other loans: $ pay out about 600.00
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481920
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 16.16% Starting monthly payment: $290.51
 
Auction yield range: 5.71% - 13.00% Estimated loss impact: 6.17%  
Lender servicing fee: 1.00% Estimated return: 6.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1994 Debt/Income ratio: 32%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 22 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,734Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: repayment-harmonica 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
paying all my bills off 1 paymet
purpose of this is? loan is to pay? all my bills ahve one monthly payment. the reason it didnt get funded first i didnt get my documents to them in time so now im retrying and hve my documents hopefully ready for them.

My financial situation:? i always say if u borrow something always pay it back or take it back.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481922
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 33.56% Starting monthly payment: $41.09
 
Auction yield range: 10.71% - 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-1994 Debt/Income ratio: Not calculated
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,067Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: the-intuitive-loot 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 to help a sick relative
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 481924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $246.78
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-2000 Debt/Income ratio: 16%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:13y 10m
Amount delinquent: $0 Total credit lines: 5Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $398 
Delinquencies in last 7y: 13 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: top-lucrative-cash 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
purchase used car
Purpose of loan:
This loan will be used to? purchase my deceased sons car from a private lender he was in process of buying from.????

My financial situation:
I am a good candidate for this loan because? my credit is decent and i have not had any late payments.??And my last listing was 100% funded and income is actually 2600/mo from pension, SSi, and part time job,?but?im basing income off the 22k per year which prosper has verified which is?1833/mo and my total bills are 900/mo. So this allows me to afford the 247/mo note for this loan. And still put up for savings.????

Monthly net income: $ 2600.00

Monthly expenses: $
??Housing: $ 200
??Insurance: $?80
??Car expenses: $100
??Utilities: $ 130
??Phone, cable, internet: $110
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 60
??Other expenses: $?
????????????????????????????????????????????????Total = 900
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 32.59% Starting monthly payment: $259.82
 
Auction yield range: 16.71% - 28.00% Estimated loss impact: 19.93%  
Lender servicing fee: 1.00% Estimated return: 8.07%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1984 Debt/Income ratio: 13%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,956Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: epic-p2p5 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained 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 help to pay off credit cards
Purpose of loan:
This loan will be used to??
Please help me pay off our?credit cards!???

My financial situation:
I am a good candidate for this loan because??
I make sure that all?our bills are paid on time and pay extra when possible.? My husband's company made?the employees take a 10% wage cut?2 years ago and haven't reinstated it yet.? He?and I are trying to consolidate our bills, so that we can be totally debt free in 3 years or less.? We lost our house to the bank 2 years ago, because they would not even work with us?and?resold it for much less than we owed.?

We have a daughter who is a junior in high school and thinking about college and senior pictures and?another daughter and our grandson all live with us.??We would love to be able to give them a nice Christmas this year and?with your help we?can!

I would love to have money to put back into savings again each month, instead of?having to take it out.

Monthly net income:
$4,400

Monthly expenses: $ 3,976
??Housing: $ 1375
??Insurance: $ 345.00
??Car expenses: $?300
??Utilities: $?259.00
??Phone, cable, internet: $ 297
??Food, entertainment: $?750
??Clothing, household expenses $ 135
??Credit cards and other loans: $?350
??Other expenses: $ 165 (Doctor Bill and medicines)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.70%  
   
 
Starting lender yield: 13.00% Starting borrower rate/APR: 14.00% / 17.27% Starting monthly payment: $512.66
 
Auction yield range: 7.71% - 13.00% Estimated loss impact: 7.99%  
Lender servicing fee: 1.00% Estimated return: 5.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1987 Debt/Income ratio: 36%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 56 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $110,923Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: Pistol1023 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 3 ( 100% ) 780-799 (Latest)
Principal borrowed: $6,001.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 3  
Description
Consolidating Credit Cards
Purpose of loan:
This loan will be used to? consolidate my credit cards and other line of credit

My financial situation:
I am a good candidate for this loan because?as you can see my credit is good, I have steady income and will value a loan at a fair price. I have had a Prosper Loan in the past and paid if off in full and on time...my debt to income is a little high...and am working vigorously to get it down lower. This loan will help that. I have 3 Credit Cards at between 16-20% that I want to pay off......

Monthly net income: $ 12,000

Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 200
??Car expenses: $ 350
??Utilities: $ 200
??Phone, cable, internet: $ 250
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000.00
??Credit cards and other loans: $ 1200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481946
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $194.51
 
Auction yield range: 16.71% - 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: Sep-2004 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,339Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: reverent-return6 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
Tackling those interest rates
Purpose of loan:
This loan will be used to consolidate bills into a structured monthly payment so that I may meet my financial goals and focus on saving. I have this last final stretch to tackle before I can follow my dreams upon graduation: a house, a business, and no debt.

My financial situation:
I am a good candidate for this loan because I work three jobs and can more than afford the monthly payment obligation. I plan on paying the loan off faster than the 3 year loan term. I would prefer to pass the interest gains off to (you) the investor instead of the banks. A consolidation would eliminate a considerable amount of interest, doctor bills, and school fees. This would also help me build my credit score, which in turn allows for lower interest rates and refinancing opportunities. I want to have an amazing credit score, and eventually be able to pay this loan opportunity forward to another person in need.

Monthly net income:
$3700-$4300

Monthly expenses:
Housing: $ 250
Insurance: $ 150
Car expenses: $ 350
Phone, cable, internet: $ 100
Food, entertainment: $ 200
Clothing, household expenses $ 50
Credit cards and other loans: $ 600 (I pay more than the minimum payment on credit cards).
Other expenses: $100
*Any additional income above monthly expenses is put on bills and savings.

Feel free to ask me any questions pertaining to this post, and I thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1980 Debt/Income ratio: 2%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 1 / 1Length of status:0y 8m
Amount delinquent: $10,054 Total credit lines: 13 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 23 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: vigilance-corps1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
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 481954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 16.71% Starting borrower rate/APR: 17.71% / 21.06% Starting monthly payment: $108.02
 
Auction yield range: 13.71% - 16.71% Estimated loss impact: 14.93%  
Lender servicing fee: 1.00% Estimated return: 1.78%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1991 Debt/Income ratio: 16%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 28 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,578Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: diplomatic-power4 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
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 481960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,600.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 31.00% Starting borrower rate/APR: 32.00% / 35.65% Starting monthly payment: $156.80
 
Auction yield range: 10.71% - 31.00% Estimated loss impact: 11.58%  
Lender servicing fee: 1.00% Estimated return: 19.42%  
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): 7 First credit line: Mar-1977 Debt/Income ratio: 3%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:27y 7m
Amount delinquent: $0 Total credit lines: 44 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: IBudgetMyMoney86 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
Pay off loans and do home repairs.
My wife and I have two loans that we want to pay off and we need some new windows and gutters installed around our home to stop leaks around the windows due to a roofing problem with our new home.? These repairs will cost $1,550.00 and the two loans that we will be paying off is $2,050.00.?

My wife and I follow a budget every month.

My Total Income for the Month is:? $4,109.00

My Total Expenses for the Month is:? $2,878.00
Mortgage Payment for the Month:? $1,712.00
Car Insurance for the Month:? $117.00
Food Costs for the Month:?$250.00
Two Personal Loan Payments for the Month:? $301.00?? (We want to Pay Off)
Auto Expenses for the Month:? $150.00
Utilities for Home for the Month:? $150.00
Cable and Phone and Internet?for the Month:? $109.00
Cell Phone for the Month:? $89.00
Balance Left at end of Month:? $1,231.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $163.58
 
Auction yield range: 3.71% - 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: Oct-1999 Debt/Income ratio: 18%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,376Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: Red2000bc Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit
Purpose of loan:
This loan will be used to pay off loans, and it will also be used for a security blanket for myself.?

My financial situation: is very stable
I am a good candidate for this loan because I am using this to cut down my debt to income ratio, and I am a student recieving the post 9/11 gi bill so I have a steady source of income
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $222.98
 
Auction yield range: 16.71% - 19.00% Estimated loss impact: 37.66%  
Lender servicing fee: 1.00% Estimated return: -18.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-1979 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:21y 10m
Amount delinquent: $0 Total credit lines: 48 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,342Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: revenue-coup 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
painting house and furnance work
Purpose of loan:
Home improvements

My financial situation:
I am a good candidate for this loan because I pay back all my loans?

Monthly net income: $ 9167.00

Monthly expenses: $
??Housing: $ 2361.63
??Insurance: $?100
??Car expenses: $ 120
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 4000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481978
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,675.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $256.71
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-2001 Debt/Income ratio: Not calculated
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,637Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: mystical-worth 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
Steno software to start career :)
Purpose of loan:
This loan will be used to pay for professional court reporting software which is necessary to begin my career in the field.

My financial situation:
I am a good candidate for this loan because I have never made a late payment in my entire credit history. I am very responsible and will most likely be able to pay this loan off in less than 3 years.

Monthly net income: $1700

Monthly expenses: $920
??School: $550
??Phone/cable: $100
??Credit cards: $120
??Other expenses (i.e. transportation): $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481984
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $123.28
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-2008 Debt/Income ratio: 20%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 10 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $318Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: established-credit3 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan Needed for Continued Growth
Purpose of Loan: The sole purpose of this loan is to fund continued growth in our entertainment business located in the San Francisco Bay Area. Most of the money will be used to host our first large event and the remaining funds will be used for initial startup costs (i.e. acquiring a business license, business cards, marketing materials, etc.).

My Financial Situation: We (myself and business partner) currently have very low expenses as we are completing our college degrees at San Jose State University. My wealth of knowledge and financial experience can be attributed to my current pursuit of a B.S. in Entrepreneurship and a solid track record of business success. We are both responsible and experienced with money, finance, business and investing. In addition to this entertainment business, I have been running a real estate investing business successfully for two years which provides me with a consistent stream of passive income. The following highlights our individual personal incomes and expenses (both of us will be servicing the debt, but officially just myself through Prosper.com):

Myself- Income: $19,000/year from job, $600/month from other business; Expenses: $250 in monthly rent, $80 car insurance, $50 in monthly utilities and household expenses, $300 in miscellaneous expenses; Total Income - $2,200/month; Total Expenses - $680/month

My Business Partner: Income: $24,000/year from job, $600/month from other business; Expenses: $450 in monthly rent, $70 cable and internet, $40 utilities, $300 miscellaneous; Total income - $2,600; Total Expenses - $860

Further Securitization of Loan: In order to illustrate better our seriousness and ability to service our debt, we welcome face to face meetings to go over our business plan or any other information of interest to a potential lender. Also, upon request we will submit a formal business plan to those interested in lending to us. I can provide references of business partners in my real estate LLC. In addition, I can put my car up for collateral if need be.

Thank you for your time and consideration. Please contact me at your earliest convenience with any questions you may have.

Check out our website at www.transcendance-ent.com or visit us on facebook at http://www.facebook.com/pages/San-Jose-CA/Transcendance-Entertainment/132410370139764.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $259.62
 
Auction yield range: 5.71% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1995 Debt/Income ratio: 22%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 31 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $383Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: fairness-buckeye 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 personal loan
Purpose of loan:
This loan will be used to?pay?off a personal loan that was borrowed from?a member of my family?

My financial situation:
I am a good candidate for this loan because?I have been at my current employer for 3 years and currently in the process of?receiving a promotion. I had revolving debt in the past and paid off the full balance in a 1.5 year time span. I closed all of my accounts except one and that is down to $375 balance.?My current debts include a car note of $21,000, student loans of $55,000, personal loan of $10,000, and credit card debt of $385. I have never filed for bankruptcy.?

Monthly net income: $ 3800

Monthly expenses: $ 2835
??Housing: $ 350
??Insurance: $ 550
??Car expenses: $ 785
??Utilities: $ 0
??Phone, cable, internet: $ 175
??Food, entertainment: $ 350
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 575
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.71% - 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: Jun-1986 Debt/Income ratio: 32%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 31 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $202,899Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: attentive-agreement 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
Business expansion & Working Cap
Purpose of loan:
This loan will be used to assist in marketing for new business and supporting working capital as I gear up for a much more profitable tax season. Now is the best time for me to market my services (I own a tax practice) and I am hoping to take advantage of this opportunity before tax season gets underway.

My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan and my prospects for increased earnings are outstanding.

Monthly net income: $ Avg 20,000 billed to clients

Monthly expenses: $ 11,000 (includes rent, staff, software, supplies)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 31.56% Starting monthly payment: $310.23
 
Auction yield range: 16.71% - 27.00% Estimated loss impact: 25.57%  
Lender servicing fee: 1.00% Estimated return: 1.43%  
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): 2 First credit line: Dec-1991 Debt/Income ratio: 244%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 40 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,447Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: big10red 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
Helping Family
Purpose of loan:
This loan will be used to help my daughter who has recently separated from her spouse.?

My financial situation:
I am a good candidate for this loan because I have a very secure job with a environmental firm and we do alot of work for the government.?My credit card?debit was really hight, but in the last 15 months I have finished paying off the cards and h ave learned from my mistakes. I am now trying to get my credit back and I would like very much to help my daughter.?

Monthly net income: $ 2800.00

Monthly expenses: $
??Housing: $ 250.00
??Insurance: $ 35.00
??Car expenses: $ 45.00
??Utilities: $ 89.00
??Phone, cable, internet: $ 65.00
??Food, entertainment: $ 240.00
??Clothing, household expenses $?50.00
??Credit cards and other loans: $ 280.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482020
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $213.69
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-2003 Debt/Income ratio: 15%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,268Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: Afrocentric 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
I need this to move in dec 2010
Purpose of loan:
This loan will be used to move from my current address in november or december 2010, so i need to have the money ready by mid november 2010. I currently live with someone who pays half the rent, so no, i'm not paying a whole monthly rent of 2577 on my own.
My financial situation:
I am a good candidate for this loan because I do pay all my bill on time.

Monthly net income: $ 2180

Monthly expenses: $
??Housing: $?1300
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 140
??Phone, cable, internet: $
??Food, entertainment: $ 200
??Clothing, household expenses $?60
??Credit cards and other loans: $ 250/month
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-2006 Debt/Income ratio: 20%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 3 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,248Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: new-favorite-benjamins 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
Paramedic School Tuition
Purpose of loan:
This loan will be used to pay for the expenses of paramedic school that include tuition, books and supplies.

My financial situation:
I am a good candidate for this loan because I have a steady job while still living at home. I do not have a house or car payment or any bills besides my credit card, which I continuously pay off. In the past, I have taken out a $3000 loan with Capital One and paid it off in less than 18 months. I would like some help financially to attend paramedic school to achieve my dream. I am also interested in building some credit and taking out a loan is a good way to build a credit score.

Monthly net income: $ approximately $950 per month.

Monthly expenses: $ 140
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 60 (gas)
??Utilities: $ 0
??Phone, cable, internet: $0
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 30 (credit card)
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482038
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 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: Jan-1955 Debt/Income ratio: 48%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 2 Current / open credit lines: 7 / 6Length of status:5y 9m
Amount delinquent: $2,753 Total credit lines: 25Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,545 
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: worth-hotshot8 Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off my credit card
Purpose of loan:
This loan will be used to? pay off credit card debt

My financial situation:
I am a good candidate for this loan because? until recently I have bee able to pay my bills.? With this loan, I will not have a deliquency on my credit rating.

Monthly net income: $ 5,500

Monthly expenses: $ 1,500
??Housing: $ 2,800
??Insurance: $ 253.00
??Car expenses: $ 0
??Utilities: $ 95.00
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 900
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 479613
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Feb-1978 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 21 / 20Length of status:18y 9m
Amount delinquent: $99 Total credit lines: 38 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $234,959Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: wampum-balancer 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
increase inventory
Purpose of loan: Increase Inventory.? I've owned my business for over nineteen years, I've service over one hundred and fifty salons,?I have a line of hair products.? I have created a web site where my products can be purchase online.
My financial situation: is Excellent.. I am retired from the military with over 22 years, and SSI business income that I can count on to support me.
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 480203
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 16.71% Starting borrower rate/APR: 17.71% / 21.06% Starting monthly payment: $144.03
 
Auction yield range: 16.71% - 16.71% Estimated loss impact: 19.22%  
Lender servicing fee: 1.00% Estimated return: -2.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-2004 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,792Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: euro-parsec 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 my credit card
Purpose of loan:
This loan will be used to pay off one credit card, allowing me to put a significantly larger percentage of my income toward principal lending balances, instead of mostly to interest. This will help me to lower my lending balances quicker and to get out of debt sooner.

My financial situation:
I am a good candidate for this loan because I have never missed a credit payment, and I expect to be able to say that for a long, long time. I have a relatively stable income from a job I enjoy, with wage increases likely within the next few months. I can make payments for each of my credit lines, and will be reducing the project amount owed when approved for this loan.

Monthly net income: $650

Monthly expenses: $620
??Housing: $0
??Insurance: $40
??Car expenses: $120
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $160
??Clothing, household expenses $0
??Credit cards and other loans: $270
??Other expenses: $30
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-1985 Debt/Income ratio: 36%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:15y 0m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $124,311Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: indomitable-camaraderi2 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
My personal loan for my business
Purpose of loan:
short term business and personal?expenses. short term until receive proceeds from lumber sale. Harvesting trees off our property.

My financial situation:
I am a good candidate for this loan because I have established business income and business is growing because I'm driven to succeed.?My firm downsized and essentially elimated my position as a branch manager forcing me to go back working with clients, which I love. My income went to 30% of what it was 2 years ago.? I have a base of existing clients and new business has been increasing. It just takes time to rebuild and do it right and best for clients.

Monthly net income: $ 7500

Monthly expenses: $
??Housing: $ 1930
??Insurance: $ 300
??Car expenses: $ 1800
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 10.08% Starting monthly payment: $250.69
 
Auction yield range: 5.71% - 7.00% Estimated loss impact: 6.05%  
Lender servicing fee: 1.00% Estimated return: 0.95%  
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): 8 First credit line: Aug-2001 Debt/Income ratio: Not calculated
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 11 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,654Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: sellingsheepbuyingsouls 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
Paying off credit card/student debt
Purpose of loan:
This loan will be used to pay off credit card debt incurred for living expenses as a graduate student.

My financial situation:
I am a good candidate for this loan because I have a secure, well-paying, career-track position as a policy analyst with the federal government, and relatively low living expenses fro my city. I can pay back my debt but I can only do so in a reasonable time frame with more favorable rates than those offered by credit card companies (12-19% APR). I have credit in good standing; however the current credit environment adversely impacts even those who pay back debt with payments significantly above the minimum.? I would like to pay my debt back in less than 2 years and make it to the other side of Prosper as a lender and an investor.? To do this, I plan to do it the old fashioned way...shred my credit cards and live frugally, then put away every last cent saved towards financial freedom.

Monthly net income: $ 2700

Monthly expenses: $ 1642
??Housing: $ 820
? Insurance: $ 67
??Car expenses: $ 0
??Utilities: $ 25
??Phone, cable, internet: $ 125
??Food, entertainment: $ 200
??Clothing, household expenses $ 5
??Credit cards and other loans: $ 350 (Federal student loans)
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481809
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $138.47
 
Auction yield range: 5.71% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1993 Debt/Income ratio: 40%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 20Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 48 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,422Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: integrity-lyrics 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
Repair leak in roof
Purpose of loan:
This loan will be used to repair a leak in roof?

My financial situation:
I am a good candidate for this loan because I repay my bills on time?

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1300.
??Insurance: $ 100
??Car expenses: $ paid off
??Utilities: $ 150.
??Phone, cable, internet: $ 60
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481821
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $84.90
 
Auction yield range: 16.71% - 29.00% Estimated loss impact: 25.69%  
Lender servicing fee: 1.00% Estimated return: 3.31%  
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): 3 First credit line: Jun-1997 Debt/Income ratio: 50%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,535Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: roneg76 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: 18 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
600-619 (Jun-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Starting a New Career
Purpose of loan:
This loan will be used to help with expenses as I transition to a new career as a webdesigner and illustrator. I will using this to upgrade my computer and buy much needed art supplies.
My financial situation:
I am a good candidate for this loan because I had a prior listing with prosper and was able to pay?all the payments on time shows that I am reliable. My income is not very much at this time but i should?increase in?income very soon as I work full time with?the new company. Some work I have done with this can be seen at http://www.socalgladiators.com also puting together my own website.

Monthly net income: $ 1650

Monthly expenses: $?1310
??Rent: $ 715 shared with spouse????
??Insurance: $ 65
??Car gas: $ 70?
??Utilities: $ 15 shared with spouse
??Phone, cable, internet: $ 45
??Food: $ 200 sharde with spouse?
??Credit cards and other loans: $ 200

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 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-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,563Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: safe-integrity9 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
trading capital $10-50,000
Purpose of loan:
This loan will be used to? Daytrade with a system I found, I have run the back testing and papertrade. Paper trade did over $5000 in one day.
Also, it shows 1 Delinquency in the past 7 years. I was 1 day late on my frys payment, because they change the date of payment.?

My financial situation:
I am a good candidate for this loan because? The?Fourteen back tested? result was over $25,000 for five markets. I will? trade 1 contract each?over the 5 markets with this loan. Monthly income is impossible to caclulate.

Monthly net income: $ 1200.00 work
Trading Income (speculation) $10,000 to $50,000
Monthly expenses: $
??Housing: $ 390
??Insurance: $ 60
??Car expenses: $ 250
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481835
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,775.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $80.29
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1999 Debt/Income ratio: 14%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 15 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,365Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: commerce-matrix8 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained 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 transmission for family car
Purpose of loan:
This loan will be used to? put a transmission in our family car.

My financial situation:
I am a good candidate for this loan because? I always pay everything on time.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 1117
??Insurance: $ 120
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 25.95% Starting borrower rate/APR: 26.95% / 30.49% Starting monthly payment: $305.99
 
Auction yield range: 13.71% - 25.95% Estimated loss impact: 15.38%  
Lender servicing fee: 1.00% Estimated return: 10.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1992 Debt/Income ratio: 24%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:12y 1m
Amount delinquent: $0 Total credit lines: 45 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,077Stated income:$50,000-$74,999
Delinquencies in last 7y: 55 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: heartpounding-commitment Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
700-719 (Oct-2009)
 
Principal balance: $728.11 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Consolidating Credit Cards
Purpose of loan:
This loan will be used to? consolidate credit cards into 1 lower payment

My financial situation:
I am a good candidate for this loan because? always pay my bills on time and I will be using automatic bank payment
Monthly net income: $ 5200
Monthly expenses: $
??Housing: $ 1288
??Insurance: $ 166
??Car expenses: $ 542
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $?200
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-1995 Debt/Income ratio: 15%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,354Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: ofern01 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
Consolidate Credit Cards if
Purpose of loan:
This loan will be used to Consolidate Credit Cards if the Interest is low?

My financial situation: is very good. I'm cleaning my credit report that is all messed up
I am a good candidate for this loan because I do not need this loan. I have the money to pay it any time. I just want to try this to see how low I can get the interest?

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 481853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1989 Debt/Income ratio: 23%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:21y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,864Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: dedication-baton3 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
790 Credit Rating, Need to pay bill
Purpose of loan: This loan will be used to pay off a credit card bill that incurred when I moved from Hawaii to San Antonio this year (balance of $8,854) and needs to be paid off in November of this year.? Some of the moving expenses were paid for, but I will not receive some of the reimbursement money until March of 2011.

My financial situation: I have a credit rating of almost 800.? I have not been late on a bill in 10+ years (actually I do not remember the last time I was late on a bill).? I am an Executive (civilian) for the Department of the Army (been with Army for 20 + years).? I am also a college professor (11+ years).? I am a bit cash strapped at the moment due to the move over the summer and I need to pay off the above bill next month.? Along with my salaries ($127,000 with Army and $34,000 as college professor), I will receive a relocation bonus for my move in July 2011 of $22,000.? But that is many months away.? There are no threats to my employment (yes, I know I am fortunate).? Looks like there is also a good chance I will receive a promotion within the next 3 months (my boss? position is now vacant).? I am a Christian, husband (20 years) and father of two beautiful daughters (10 and 12 years old). ?I am very reliable (as you can see by my credit history).? I am just trying to dig myself out of a temporary financial hole.? I actually have enough cash to pay off the debt discussed above, but that would leave me with almost no cushion in my checking account.?

This will be a win-win situation for all of us.? I would obtain the funding I need, and you would receive an excellent rate of return.? Our whole family would appreciate your assistance.

Monthly income: $ 13,416

Monthly payments:?
$35,411 Balance, $761 per month (Vehicle Loan)

$5,098 Balance, $196 per month (Signature Loan)

$16,076 Balance, $470 per month (Credit Card)

$22,012 Balance, $472 per month (Credit Card)

$17,802 Balance, $816 per month (Personal Loan)

$390 Balance, $15 per month?(Credit Card)

$339,000 Balance, $2,793 per month (Home mortgage, insurance, taxes, etc)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481859
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 33.56% Starting monthly payment: $41.09
 
Auction yield range: 10.71% - 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: Apr-1982 Debt/Income ratio: 8%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:28y 9m
Amount delinquent: $0 Total credit lines: 9 Occupation: Food Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $423Stated income:$50,000-$74,999
Delinquencies in last 7y: 25 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: cash-pinnacle4 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
cash-pinnacle4
Purpose of loan:
This loan will be used to fund several needs in our? family.? We currently need some tires for our truck and also a new washer and dryer.

My financial situation:
I am a good candidate for this loan because I have been employed with the same company for almost 29 years.? While I have had credit problems in the past?but have recently worked extremely hard to pay on time.? I am trying my best to monitor my credit and do all that I can to increase my credit score.?

Monthly net income: $ 4400

Monthly expenses: $
??Housing: $?500
??Insurance: $ 305
??Car expenses: $?300
??Utilities: $ 350
??Phone, cable, internet: $ 185
??Food, entertainment: $ 800
??Clothing, household expenses $ 100
??Credit cards and other loans: $?500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 13.71% Starting borrower rate/APR: 14.71% / 18.00% Starting monthly payment: $207.14
 
Auction yield range: 13.71% - 13.71% Estimated loss impact: 14.79%  
Lender servicing fee: 1.00% Estimated return: -1.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1994 Debt/Income ratio: 26%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $435Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: studious-liberty0 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying used car /(old car stolen)
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 481873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $259.62
 
Auction yield range: 5.71% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1990 Debt/Income ratio: 14%
Credit score: 740-759 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $4,624Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: principal-library1 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
florida duplex
Purpose of loan:
This loan will be used to? THE PURPOSE OF THIS LOAN IS TO TRY TO PURCHASE THE OTHER HALF OF DUPLEX THAT I OWN IN FLORIDA.

My financial situation:
I am a good candidate for this loan because?I BELEIVE THAT I AM A GOOD CANDIDATE FOR THIS JOB BECAUSE,1 STEADY WORK HISTORY,I HAVE?2 RENTAL INCOME FROM CURRENT PROPERTY THAT I CURRENTLY OWN IN FLORIDA?ALONG WITH ANOTHER PROPERTY THAT WILL SOON BE RENTED WITH IN 1 -2 MONTHS,I AM ALSO WORKING EXTRA HOURS TO COVER LOAN AMOUNT.
Monthly net income: $3,000
expenses: $
??Housing: $ 400
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 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: Jul-1981 Debt/Income ratio: 228%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 8 / 9Length of status:12y 0m
Amount delinquent: $1,964 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $82,150Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: reverent-listing 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
My personal loan
Purpose of loan:
This loan will be used to? get me over the hump of divorce, getting an apartment,etc.

My financial situation:
I am a good candidate for this loan because? I will pay it back on time.

Monthly net income: $ 2400 ????

Monthly expenses: $
??Housing: $ 595
??Insurance: $ 60
??Car expenses: $ 60
??Utilities: $ 50
??Phone, cable, internet: $ 55
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,300.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 10.44% Starting borrower rate/APR: 11.44% / 13.56% Starting monthly payment: $273.46
 
Auction yield range: 3.71% - 10.44% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.91%  
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): 9 First credit line: Mar-1991 Debt/Income ratio: 17%
Credit score: 780-799 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 5Length of status:1y 7m
Amount delinquent: $220 Total credit lines: 18 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,975Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: ERIKBARKKLEY Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 500
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
 
Auction yield range: 13.71% - 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-1992 Debt/Income ratio: 14%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 14 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,529Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: vivid-felicity0 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
NEW METAL ROOF
Purpose of loan:
This loan will be used to?New metal roof?for my home of 10 years.The type of roof that I'm looking at comes with a $1500.00 tax credit. In a few months my motorcycle will be paid off. This will free up some cash that happens to be?is the same amount of this loan.If you look at my credit report I havn't been delinqent in seven years.
My financial situation:
I am a good candidate for this loan because? I have been employed with the same prosperous?company for over four years,??

Monthly net income: $ ?3700

Monthly expenses: $ 2950.
??Housing: $ 597.
??Insurance: $ escrow
??Car expenses: $200.00 motorcycle payment
Utilities: $350.00
??Phone, cable, internet: $?275.00
??Food, entertainment: $600.
??Clothing, household expenses $ wife pays?
??Credit cards and other loans: $ 400.
??Other expenses: $ 525.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1989 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:2y 7m
Amount delinquent: $1,243 Total credit lines: 11 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,790Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: note-miser8 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off all credit cards
Purpose of loan:
This loan will be used to?
I have 5 credit cards that I want to pay off and close them. The reason why is because everytime I pay them off they raise my credit limit. I then begin to use them again and when I get a balance then they raise my interest rate. I have never been late on any of these cards and feel it is is wrong when they do that. I would like to close these off and it would be less money to just have one payment and get rid of them.
My financial situation:
I am a good candidate for this loan because? I have been an electrician for over 20 years so I always have work.

Monthly net income: $ 2700

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 100
??Car expenses: $ 375
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ 220
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $130.07
 
Auction yield range: 16.71% - 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: Nov-2004 Debt/Income ratio: 51%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,650Stated income:$1-$24,999
Delinquencies in last 7y: 2 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: benjamins-journey Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Credit Card
Purpose of loan:
This loan will be used to pay off my credit card debt of $3,500. I would like to pay this off so my credit score can get bumped so I can get approve for a student loan.?

My financial situation:
I am a good candidate for this loan because I am very good with paying things ontime.?

Monthly net income: $ 1,600

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 400
??Utilities: $
??Phone, cable, internet: $ 50
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481909
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 7.34% Starting monthly payment: $200.70
 
Auction yield range: 2.71% - 6.00% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 4.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Apr-2001 Debt/Income ratio: 10%
Credit score: 840-859 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $944Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: DreamIsReal Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 840-859 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
820-839 (Mar-2010)
 
Principal balance: $6,783.57 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Payoff debt
Refinancing more debt and want to lend money

My financial situation:
I am a good candidate for this loan because I have excellent credit and I am a hard worker and responsible person.
I am looking to get married soon so I am trying to make life as manageable as possible.

Absolute RISK FREE investment for you and a life saver for me.

Thank you everyone for your help.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481913
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,400.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 10.71% Starting borrower rate/APR: 11.71% / 14.94% Starting monthly payment: $79.38
 
Auction yield range: 10.71% - 10.71% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.31%  
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): 7 First credit line: May-2006 Debt/Income ratio: 7%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 5 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,012Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: bonafide-dedication4 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
Cosmetic Surgery
Purpose of loan:
This loan will be used to? have my cosmetic surgery done for my breast!

My financial situation:
I am a good candidate for this loan because?? I pay my bills and I am trustworthy!!!! ;)

Monthly net income: $ 26,000 yearly

Monthly expenses: $
??Housing: $ 776.00
??Insurance: $ 116.00
??Car expenses: $
??Utilities: $ 37.00
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $156.68
 
Auction yield range: 2.71% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-1990 Debt/Income ratio: 6%
Credit score: 800-819 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,106Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: worlds-best-auction9 Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained 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 Debt at a Lower Rate!
Purpose of loan:
This loan will be used to payoff my Visa card which is currently at 19.25%.

My financial situation:
I am a good candidate for this loan because I have maintained excellent credit and always pay on time.? Thank you in advance for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1984 Debt/Income ratio: 18%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:21y 2m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,478Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: efficient-commerce4 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
home improvements
Purpose of loan:
This loan will be used to? make some home improvements

My financial situation:
I am a good candidate for this loan because? good score -no delinquencies now

Monthly net income: $ 3033

Monthly expenses: $
??Housing: $ 1020
??Insurance: $
??Car expenses: $
??Utilities: $400
??Phone, cable, internet: $ 150
??Food, entertainment: $ 900
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481923
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,250.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $130.51
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-2000 Debt/Income ratio: 16%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,197Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: creative-felicity 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 2  
Description
down payment for new car
Purpose of loan:
This loan will be used to? support a down payment on a new car, my old car is dying fast

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 481925
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.71% - 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: Nov-1991 Debt/Income ratio: 46%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 26 / 23Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 57 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $131,711Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: omaholic Borrower's state: California Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 61 ( 100% ) 720-739 (Latest)
Principal borrowed: $32,500.00< 31 days late: 0 ( 0% )  
700-719 (Feb-2010)
680-699 (Aug-2008)
680-699 (Jan-2008)
680-699 (Dec-2006)
 
Principal balance: $2,544.23 31+ days late: 0 ( 0% )
Total payments billed: 61  
Description
Flooring Project for Home
[Note: If this listing looks familiar, it is because Prosper asked me to relist it after adjusting my income because Prosper cannot accept rental income because they cannot adequately verify it. Nothing has changed from the prior listing! The only thing that is different is that the income figures on Prosper's side now show only my regular salary (which is still in excess of $100,000). So bid with confidence! Thanks.]

In January, my wife and I paid the final installment of our first Prosper loan. We could not have been more happy with the process, and we were even more happy that the interest was going to real people instead of to banks! Our second Prosper loan is due to be paid off in August 2011.

Over the last few months, we have undertaken significant home improvement projects in preparation for renting out our current home. Our home is a very nice house, with a great neighborhood and floorplan, but because it was among the last three buildings completed before the builder withdrew from the project, some of the interior features were completed as cheaply as possible, including the flooring.

The last thing we need to do before renting out the property is replace the existing flooring, which is the cheapest carpet I've ever seen. We intend to install travertine throughout the living room and hallways at an estimated cost of about $8,000. This includes the installation of a beautiful travertine waterjet medallion, which we have already purchased.

Because we enjoyed our experience with Prosper so much, it is our first choice to fund this project. As noted above, we recently made our final payment on our first Prosper loan (which was for a home improvement project for our rental condo unit), and our second loan (which we used as a cash cushion when closing the purchase of this home) is more than halfway through term.

Despite our Prosper grade, we believe we are an excellent risk. We own two rental condo units with long-term tenants (which downgrades our Prosper grade, since it is not offsetting the mortgages on those against our rental income), and we have high income, great credit scores, and no missed or late payments on anything. Note that even in these tough economic times, we have never had any late or returned payments on any of our Prosper loans. Bid with confidence on our listing! Thanks for giving us a chance!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jul-2002 Debt/Income ratio: 5%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:2y 4m
Amount delinquent: $78 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: windego Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off left over debt.
Purpose of loan:
This loan will be used to pay off credit card debts and consolidate bills into one low rate.

My financial situation:
I am a good candidate for this loan because I worked in the banking field and I am responsible in paying off all my debts.

Monthly net income: $
3500
Monthly expenses: $
??Housing: $1350
??Insurance: $103 ????
??Car expenses: $ 103 ????
??Utilities: $ 150
??Phone, cable, internet: $ 135
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $126.53
 
Auction yield range: 16.71% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jan-1990 Debt/Income ratio: 57%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,965Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: morgue Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2008)
 
Principal balance: $920.53 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
new floors for the household
Purpose of loan:
This loan will be used to? put new floors in for hallway, living room, dining room, kitchen, 1 bathroom.

My financial situation:
I am a good candidate for this loan because? i earn good money, i am a current prosper customer with 100% on time payments.
my financial situation will be be better after friday oct. 29th because i will be making my last truck payment that has been $550 per mo.

Monthly net income: $ 4,641

Monthly expenses: $
??Housing: $ 1,300
??Insurance: $ 200
??Car expenses: $ 550 (friday oct 29th will be?my last payment, truck will be paid for.)?
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $?200
??Clothing, household expenses $?100
??Credit cards and other loans: $?75
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 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: Oct-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:30y 9m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,210Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: fortress429 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
Purchase New Horseshoeing Tools
Purpose of loan:
This loan will be used to purchase new horseshoeing tools and allow me to stock up?on horseshoes?for the winter.

My financial situation:
I am a good candidate for this loan because I am a very hard worker and need new tools to continue my business.? It is difficult to get a small business loan from the local banks, but I will repay this loan.? This is not just lip service.

Monthly net income: $ 6,000 (varies)

Monthly expenses: $
??Housing: $ 1,300.00
??Insurance: $ 75.00
??Car expenses: $ 208.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $318.39
 
Auction yield range: 16.71% - 29.00% Estimated loss impact: 19.99%  
Lender servicing fee: 1.00% Estimated return: 9.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-2001 Debt/Income ratio: 15%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,466Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: principal-computer8 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
Need to demolish credit cards
I want to pay off high interest credit cards.? I am a single mother of a beautiful 6 year old girl.? I work full-time and own two rental properties.?? I understand the importance of good credit.? I pay ALL my bills on time. ?The credit card debt is preventing me from moving ahead and purchasing my next property.? Thank you for interest in my listing.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Apr-1963 Debt/Income ratio: 27%
Credit score: 600-619 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:11y 3m
Amount delinquent: $45 Total credit lines: 38 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,596Stated income:$25,000-$49,999
Delinquencies in last 7y: 26 Bankcard utilization: 102%  
   Homeownership: Yes  
Screen name: caternut Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 50 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2009)
620-639 (Sep-2007)
 
Principal balance: $716.27 31+ days late: 0 ( 0% )
Total payments billed: 50  
Description
Need to reimburse good friend
Purpose of loan:
This loan will be used to?reimburse a really good friend who loaned me money to pay for major car repairs.?

My financial situation:
I am a good candidate for this loan because? I am working full-time, have a catering business and work hard to pay all my bills.

Monthly net income: $ 4000.00????

Monthly expenses: $ 3000
??Housing: $ 960????
??Insurance: $ 200
??Car expenses: $?100
??Utilities: $ 200
??Phone, cable, internet: $?200
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 900
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.71% - 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: Apr-1982 Debt/Income ratio: 22%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $4,442Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: silver-matador Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off bills
Purpose of loan:
This loan will be used to? Pay off bills

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

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 481961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $143.83
 
Auction yield range: 10.71% - 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: Jun-1986 Debt/Income ratio: 51%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:20y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,940Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: basis-cymbal5 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
updating house
Purpose of loan:
This loan will be used to?update and improve home.?????????

My financial situation:
I am a good candidate for this loan because? I have always paid loans back and I am very responsible. I have a steady job with a solid company.

Monthly net income: $
22,000
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 481963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jul-1996 Debt/Income ratio: 25%
Credit score: 620-639 (Oct-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,363Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: dwwild Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 14 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2010)
660-679 (Jul-2009)
620-639 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to?
debt consolidation, I'm looking to get out from under the high interest rates on my credit cards.

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

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

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 134.00
??Car expenses: $ 265.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 30.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $308.20
 
Auction yield range: 10.71% - 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: Apr-1994 Debt/Income ratio: 26%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:16y 1m
Amount delinquent: $0 Total credit lines: 26 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $51,932Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: melodious-listing Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off loan to consolidate debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $89.74
 
Auction yield range: 13.71% - 33.35% Estimated loss impact: 15.74%  
Lender servicing fee: 1.00% Estimated return: 17.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1972 Debt/Income ratio: 20%
Credit score: 700-719 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Food Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $853Stated income:$1-$24,999
Delinquencies in last 7y: 30 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: Awaken_77 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for school
Purpose of loan:
I am attending a trade school in Northern California to study herbalism/traditional medicine (California School of Herbal Studies) and need help paying my tuition. Between what my Dad has saved for me and what I can contribute, I need at least $2,000 to make my tuition. Currently I am finishing up my Holistic Nutrition Educator Certification at the Bauman College of Holistic Nutrition and will be starting my studies at CSHS this March.

My financial situation:
I have no problem paying my bills on time! I am never late on any of my payments and have taken great care to build my credit after an unfortunate bankruptcy 5 years ago.
My boyfriend at the time took advantage of my great credit. I'll make a long story short and say that it was a very hard lesson to learn but nonetheless it was an important one and I have grown considerably because of it! That mistake has cost me quite a lot over the years and I am holding high hopes that it wont delay my education too!

Monthly net income: $1500-2000
This number can vary. I work as a server so the tips are what fluctuate. I work at a great restaurant that stays very busy. Generally I bring home $70-$80 in tip money a day but on a great day this number shoots up to over $100. Also, when I get a modeling gig I can earn anywhere from $300-$1000 depending on the job.

Monthly expenses: $864.00

Housing: $400

Utilities, phone, cable, internet: $100 --- I only have my cell phone bill. Utilities, cable and internet are included in my rent.

Food, entertainment: $200

Credit cards and other loans: $50 --- I only have one secured credit card that I have used for emergency situations

Car Insurance: $114 --- I dont have a car payment and just recently started paying my own car insurance.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 26.50% Starting borrower rate/APR: 27.50% / 31.05% Starting monthly payment: $246.56
 
Auction yield range: 10.71% - 26.50% Estimated loss impact: 11.46%  
Lender servicing fee: 1.00% Estimated return: 15.04%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1996 Debt/Income ratio: 7%
Credit score: 720-739 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,068Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: excellent-durability2 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
Simplifying debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 24.75% Starting borrower rate/APR: 25.75% / 29.26% Starting monthly payment: $301.18
 
Auction yield range: 10.71% - 24.75% Estimated loss impact: 10.41%  
Lender servicing fee: 1.00% Estimated return: 14.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1998 Debt/Income ratio: 50%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 32 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,718Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: frodo70 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 760-779 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
760-779 (Sep-2010)
760-779 (Jul-2010)
720-739 (Apr-2010)
700-719 (Aug-2009)
 
Principal balance: $4,062.61 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Consolidating CC's and loans!
Looking to consolidate CC's and loans and consolidate into one final loan. I have made great progress with the first loan I received from Prosper and will also being paying that off with this loan. Any help with getting me in this better financial position would be greatly appreciated.

My financial situation:
I am a good candidate?because I have been working diligently for the last two years in lowering my debt and increasing my credit rating and have done so. ?Also, I already have a prosper loan that?I have never missed a payment on.

Monthly net income: $ 3200

Monthly expenses: $ 2700
??Housing: $ 675.00
??Insurance: $ 67.88
??Car expenses: $ 263.00
??Utilities: $ 150.0
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 1000.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.71% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2004 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: invincible-finance8 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
Seed Money- Help Me, Help Others!
Purpose of loan: This loan will be used to? consolidate some of my bad debt. I have put myself on a 5-year plan to get out debt that has accumulated due to student loans, and credit card debt that was created when I was laid off in 2009. The reason I used my credit cards was because I did not want to burden my family with asking for money as they have their own problems financially and otherwise. I used my savings and when that was exhausted I moved to the cards.

My financial situation: I am a good candidate for this loan because? although my credit score is low it is not a true reflection of my credit worthiness. I am currently a victim of identity theft that started in 2008 and I am constantly finding new issues on my credit reports of purchases for items and services I myself did not make. I am now working with Kroll to resolve these issues.

I am aggressively paying down my debts often paying over minimum payments. I have sold many personal items that are not necessary in order to pay these debts down, including designer clothing, exercise equipment, and small household appliances. I eat on a limited budget, and I can honestly not tell you the last time I bought something like a new top and even find myself guilty if I ?splurge" on a Jamba Juice as a treat for a special achievement. Within the past couple of years I have been educating myself in financial literacy and find myself a big fan of The Rich Dad, Poor Dad book series. With some of the available cash flow this loan will afford me, I will be able to reinvest in my small business and possibly expand. This will create growth that will lead to new positions needing to be filled with like-minded women like myself. In an economy such as ours especially in this city we need more small business owners creating jobs so people can put food on the table for their families.

Monthly net income: $ 2,000+
Monthly expenses:$1,734
Housing: $ $750 ( studio-all utilities included except electric)
Public Transportation- ?L? Pass expenses: $ 86
Utilities: $ 20
Phone, cable, internet: $ 80
Food, entertainment: $ 200
Clothing, household expenses $ 10
Credit cards and other loans: $ 514

Other expenses/savings: $78

Thank you in advance for your assistance!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482041
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.20%  
   
 
Starting lender yield: 33.35% Starting borrower rate/APR: 34.35% / 38.06% Starting monthly payment: $224.34
 
Auction yield range: 13.71% - 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-1993 Debt/Income ratio: 29%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,250Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: encouraging-money0 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
Future RN
Purpose of loan:
This loan will be used to?pay for school expenses.?

My financial situation:
I am a good candidate for this loan because?I have a good repayment history.? I do not borrow?more than what I can afford to pay back.?

Monthly net income: $ 2300

Monthly expenses: $
??Housing: $ 969
??Insurance: $ 70
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $?150
??Food, entertainment: $?100
??Clothing, household expenses $?0
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.