Listing Report:Supplement No. 95 dated Nov 18, 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 445251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $490.73
 
Auction yield range: 3.57% - 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: Apr-2004 Debt/Income ratio: 13%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,937Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: fund-equinox Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Knot tying
Purpose of loan:
This loan will be used to pay my wedding expenses. I would really like to tie the knot sooner than later. Though I would eventually have the funds for it in a couple of months, I wouldn?t like to delay it any longer.

My financial situation:
I am a good candidate for this loan because?I have always paid on time and have always tried to pay more than the minimum, even though I was in college. I graduated over a year ago, and immediately started on a permanent full-time job with the federal government as a Research Hydraulic Engineer in the US Army Corps of Engineers. I was very fortunate to get a job, as the job market was very grim at the time I did. This was mostly because of my dedication and responsibility during college (3.77 GPA...182 semester credit hours) and previous job experiences I had. Even before I started my job, I had created a budget, and have been using a very detailed excel spreadsheet and personal financial management tools to track and minimize my expenses, all in order to reduce my overall debt. I have read extensively about methods and plans to minimize debt and have followed through, hence the lack of immediate savings for a wedding. My ability to make monthly payments is secure, as I have always tried to live within my means and I also have a stable income that is scheduled to increase. Fortunately, my position has reviews every 6 months for the first 2 years, and pay raises with each one. Which means, further security with the payments, if not greater than what I expect to pay.

Monthly net income: $3400
Once married, I will have at my disposal my fianc?s monthly rent, $350

Monthly expenses: $
Housing: $620
Car insurance: $50
Car Payment: $0 (commute on bike)
Utilities: $85
Phone, cable, internet: $150
Food, recreation: $450
Household expenses $ 200
Credit cards and other loans: $90 (min)
Other expenses: $700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 454267
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.90% Starting monthly payment: $59.64
 
Auction yield range: 13.57% - 24.00% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 8.72%  
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): 6 First credit line: Apr-1985 Debt/Income ratio: 70%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 30 / 28Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 41 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $68,005Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: kelsey61 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: 1 / 1 On-time: 28 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2008)
640-659 (May-2008)
 
Principal balance: $528.54 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off a couple of?high interest credit cards
My financial situation:
I am a good candidate for this loan because? I make all my payments on time....I currently live with someone who pays all household expenses, so I can totally focus on getting my debt paid off.

Monthly net income: $2220.

Monthly expenses: $
??Housing: $ 00.00
??Insurance: $ 00.00
??Car expenses: $?100.00
??Utilities: $ 00.00
??Phone, cable, internet: $ 00.00
??Food, entertainment: $ 25.00
??Clothing, household expenses $
??Credit cards and other loans: $ 1300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.50% Starting borrower rate/APR: 18.50% / 21.86% Starting monthly payment: $273.03
 
Auction yield range: 16.57% - 17.50% Estimated loss impact: 24.97%  
Lender servicing fee: 1.00% Estimated return: -7.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,236Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: ladygee 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
Woring Capital for Rehab Project
Purpose of loan:
This loan will be used to make improvements to recently purchased REO.
My financial situation:
I feel that I am a good candidate for this loan because I have an above average understanding of the current Real Estate market, and I have positioned myself to take advantage of the opportunity that exists to purchase properties at well below market value. I purchased the property for cash using a CD/Share loan, and simply need to recover some of my investment in order to make repairs.
I do not intend on holding the property for an extended length of time, and look forward to paying the loan off early. Since
my intent is to resell the property after improvemnets are completed, I would not object to a reasonable pre-payment penalty in exchange for a lower interest rate.
I have spent the last year improving my personal credit scores, and started a business credit building program in January '10. I am seeing resuts from both programs now. My FICO scores currently range from 649-703.
I am looking to form a relationship with a private lender that would be beneficial to us both.

Monthly net income: $
$1475.00

Monthly expenses: $
$830.00
??Housing: $ 0
??Insurance: $ 60
??Car expenses: $ 120
??Utilities: $ 120
??Phone, cable, internet: $ 69
??Food, entertainment: $ 120
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 316
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36 months Estimated loss: 1.30%  
   
 
Starting lender yield: 6.65% Starting borrower rate/APR: 7.65% / 7.99% Starting monthly payment: $467.63
 
Auction yield range: 2.57% - 6.65% Estimated loss impact: 1.30%  
Lender servicing fee: 1.00% Estimated return: 5.35%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1991 Debt/Income ratio: 22%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,504Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 13%  
   Homeownership: Yes  
Screen name: tntnc Borrower's state: NorthCarolina Borrower's group: Achieve Greatness
Credit and homeownership information was obtained 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: 27 ( 100% ) 760-779 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
780-799 (Jan-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Start a DVD Rental Business
Purpose of loan:
This loan will be used to purchase a vending machine and initial inventory & setup. My financial situation:
I am a good candidate for this loan because I am a hard worker with an entrepreneurial spirit. I started a computer consulting business in high school that I grew into 2 locations with 15 employees serving 4 counties.

I just started a new position with a stable, growing company the first of November. I expect to be with this company for a long time and look forward to the opportunity to advance within the ranks.

I am interested in?a dvd rental kiosks?so I can have a home based business in a growth area that I can expand as funds allow.

My debt to income ratio is 22% due to the fact that I have 3 properties. One is primary residence, one is rental (I did not include income in application for this loan), and the third is being updated to become a rental property.

Please let me know if you have questions. Thank you for your consideration.My financial situation:
I am a good candidate for this loan because I am a hard worker with an entrepreneurial spirit. I started a computer consulting business in high school that I grew into 2 locations with 15 employees serving 4 counties.

I just started a new position with a stable, growing company the first of November. I expect to be with this company for a long time and look forward to the opportunity to advance within the ranks.

I am interested in?a dvd rental kiosks?so I can have a home based business in a growth area that I can expand as funds allow.

My debt to income ratio is 22% due to the fact that I have 3 properties. One is primary residence, one is rental (I did not include income in application for this loan), and the third is being updated to become a rental property.

Please let me know if you have questions. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483767
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $130.07
 
Auction yield range: 16.57% - 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: Jan-2007 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $744Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: HB2006 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
Furnishings for new office
Purpose of loan:

We are expanding into a new office space and are looking to furnish this space with new computers and furniture. I have purchased over half of the expenses for the space and have closed on the lease. With the office space being relatively new I am hoping to retain some cash for emergencies and would rather extend credit for this.

My financial situation:

I have been self employed for 2 1/2 years and have grown in premium growth as well as new clients every quarter since may of 2009. Currently our office?is adding?additional facilities to promote the retention of another agent to generate more revenue for the agency.?

Monthly net income: $ 6000

Monthly expenses: $ 5000
??Housing: $ 1050
??Insurance: $ 200
??Car expenses: $ 256?
??Utilities: $ 170
??Phone, cable, internet: $ 150?
??Food, entertainment: $ 400
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 150
??Other expenses:(Payroll) $ 2500.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484297
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.00% Starting borrower rate/APR: 26.00% / 29.52% Starting monthly payment: $302.18
 
Auction yield range: 16.57% - 25.00% Estimated loss impact: 38.04%  
Lender servicing fee: 1.00% Estimated return: -13.04%  
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): 1 First credit line: May-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 29 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,170Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: return-journey8 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
LOWER DTI/IMPROVE CASH FLOW
Purpose of loan: To pay off a high interest credit cards to lower monthly payment and improve cash flow.

My financial situation:
I am a good candidate for this loan because I have a good income from a long term secure job (20 years) and pay my bills on time. If someone chooses to cover a larger part of this loan I have 2 car titles to secure a large part of this loan request.

Monthly net household?income: $ 6000

undefinedundefinedundefinedMonthly expenses: $
Housing: $ 1600.00
Insurance: $ 300.00
Car expenses: $ 300.00
Utilities: $ 450.00
Phone, cable, internet: $ 400.00
Food, entertainment: $ 500.00
Clothing, household expenses $ 200.00
MINIMUM MONTHLY Credit cards and other loans: $ 542.00 per monthTOTAL 4292.00 PER MONTH
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484677
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,700.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 20.33% Starting monthly payment: $131.92
 
Auction yield range: 13.57% - 16.00% Estimated loss impact: 14.90%  
Lender servicing fee: 1.00% Estimated return: 1.10%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-1998 Debt/Income ratio: 12%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: instrument439 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
My loan for home improvement
Purpose of loan:
This loan will be used to?
for home improvement of bathroom, replacing all closet doors,molding?and painting?6 rooms..
My financial situation:
I am a good candidate for this loan because I have come from the brink of bankrupties and is continuing to improve my situation.. The delinquent history is from bankrupties with my house where I continue to live.?I hadn't been late on any of my accounts for seven plus?years and counting.?I? have also recovered from two failed marriages within the last 12 years. I plan to have loan paid in full before loan ends.

Monthly net income: $ 2560
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 484799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 10.57% Starting borrower rate/APR: 11.57% / 14.79% Starting monthly payment: $181.55
 
Auction yield range: 10.57% - 10.57% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.45%  
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): 7 First credit line: Feb-2000 Debt/Income ratio: 20%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:9y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,137Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: benefit-encourager Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
To pay off the last bit of my credit card debt

My financial situation:
I'm looking for a rate between 6-8%.? I'm an excellent candiate for the loan amount and the rate.? Right now my Equifax Fico score is a 713.? Four months ago before I went through the process of purchasing a vehicle my score was a 760.? Taking on new debt and the multiple inquiries in getting the vehicle is the reason my score is lower now.? Either way, the proof is in the pudding :)

Please email me if you have any further questions.


Monthly net income: $
Not sure of monthly, but last year income: $68,125 - W-2s to prove it.


Monthly expenses: $
??Housing: $ $510.00
??Insurance: $ 83.00
??Car expenses: $?604.00
??Utilities: $ 150.00 - Have a roomate
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 120.00
??Clothing, household expenses $
??Credit cards and other loans: $?104.00 - Which this loan will be going towards
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484835
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 7.25% Starting borrower rate/APR: 8.25% / 8.59% Starting monthly payment: $786.30
 
Auction yield range: 2.57% - 7.25% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-1990 Debt/Income ratio: 11%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 6Length of status:14y 7m
Amount delinquent: $0 Total credit lines: 59 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,985Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: auction-magma 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
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off credit cards with higher interest rates.

My financial situation:
I am a good candidate for this loan because my monthly income is more than enough to service this debt. I have been employed at the same company since 1996 and my monthly income has been and shall continue to stay consistently high. I am a homeowner with positive equity in my house and I have never missed a payment anywhere.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 12 months Estimated loss: 1.55%  
   
 
Starting lender yield: 4.00% Starting borrower rate/APR: 5.00% / 5.94% Starting monthly payment: $85.61
 
Auction yield range: 1.97% - 4.00% Estimated loss impact: 1.54%  
Lender servicing fee: 1.00% Estimated return: 2.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-1998 Debt/Income ratio: 6%
Credit score: 820-839 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 22 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $493Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: nekbet 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 down higher rate mortgage
Purpose of loan:
This loan will be used to pay a little more down on a higher rate 2nd mortgage.? Can't refi as the market has dropped substantially.?

My financial situation:
I am a good candidate for this loan because while our local economy sucks, my job is not dependent at all locally as I work out of state (and travel).

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2000 Debt/Income ratio: 18%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:35y 5m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $937Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: friendly-dollar0 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
Transition to Billing
Purpose of loan:
This loan will be used to transition to billing.?

My financial situation:
I am a good candidate for this loan because I have a strong employment background and good credit history.?

Monthly net income: $ 7500

Monthly expenses: $
??Housing: $ 1495
??Insurance: $ employer pays
??Car expenses: $ 400
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.99% Starting borrower rate/APR: 11.99% / 15.22% Starting monthly payment: $166.05
 
Auction yield range: 10.57% - 10.99% Estimated loss impact: 11.03%  
Lender servicing fee: 1.00% Estimated return: -0.04%  
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: May-1996 Debt/Income ratio: 31%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,316Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: brightest-goodhearted-principal 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 CREDIT CARDS''
Purpose of loan:
This loan will be used to? PAY DOWN CREDIT CARD DEBT

My financial situation:
I am a good candidate for this loan because? I am known for paying ALL lenders ON TIME.

Monthly net income: $ 3600.

Monthly expenses: $
??Housing: $ 1,085.
??Insurance: $?80.00
??Car expenses: $ 535.00?
??Utilities: $?150.00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 2500.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $254.15
 
Auction yield range: 5.57% - 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: Sep-1991 Debt/Income ratio: 33%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 13Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 52 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,018Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: capital-upholder1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 760-779 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
760-779 (Feb-2010)
 
Principal balance: $3,992.45 31+ days late: 0 ( 0% )
Total payments billed: 8  
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 484877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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-1989 Debt/Income ratio: Not calculated
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 20Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,615 
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: important-power3 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
Paying off debt
Purpose of loan:
This loan will be used to pay off?all of my?predatorily high interest debt. Also, I will use some of the proceeds to help my nephew who is having a difficult time taking care of his family.? I realize that I may seem like a high risk candidate; however, I do pay all of my bills on time.? Based on my income it is difficult for me to secure any type of conventional loan.? My nephew works hard and is willing to assist me; if not, pay my monthly payments.? His credit took a terrible hit due to indentity theft and he's been working the past three years to clear his credit file.? If you can find it in your heart to assist my family during these extremely difficult time, we will not let you down.?

My financial situation:
My family has been having hard times.? We really need help just to keep our head above water.? Please assist if you can.? We have no other options.

Monthly net income: $ 1250

Monthly expenses: $
??Housing: $ 25
??Insurance: $ 150
??Car expenses: $ 0
??Utilities: $ 60
??Phone, cable, internet: $ 50
??Food, entertainment: $ 25
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 250
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484885
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 38.44% Starting monthly payment: $43.67
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
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: Nov-2000 Debt/Income ratio: 8%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,381Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: EliteCapital Borrower's state: California Borrower's group: Thousand Dollar 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.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to pay off credit cards ?used during a home remodel. I used mostly cash but charged a few? items? and want to try the borrowers side of prosper. I have been a lender since the start 2006. You can check ericscc.com or lendingstats.com to verify I have more than the reqested amount in active loans but also have enough cash on hand in case.

My financial situation:
I am a good candidate for this? loan because?
My decbt to income ratio is low ?and I hate oweing credit card companies a penny.
Monthly net income: $
70k

Monthly expenses: $
??Housing: $ 1250 but always pay more torwards the mortgage
??Insurance: $ 200
??Car expenses: $ 75?for gas a month
??Utilities: $ 200 all electric and I use my cell phone for?a internet connection to?save money.
??Phone, cable, internet: $ 150
??Food, entertainment: $? 50
??Clothing, household expenses $ I wear my clothes until they absolultey need replacements maybe $300 a quarter
??Credit cards and other loans: $?50 but that with paying extra
??Other expenses: $?home improvements on a constant basis.

I have checked my credit report and fodun no current DQ's so I am not sure where its coming from. My past dq's are hospital bill and all are paid.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-1988 Debt/Income ratio: 31%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,857Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: apple166 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
Pay down items
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 484895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.57% - 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: Apr-1998 Debt/Income ratio: 12%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,183Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: immaculate-wealth 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 Chse
Purpose of loan:
To pay off the last of my higher interest credit card balance.

My financial situation:
I am a good candidate for this loan because I have proven that paying all of your bills on time creates a better quality of life.

Monthly net income: $3300.00

Monthly expenses: $
??Housing: $1575
??Insurance: $110
??Car expenses: $150
??Utilities: $30?
??Phone, cable, internet: $250?
??Food, entertainment: $450
??Clothing, household expenses $
??Credit cards and other loans: $128
??Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484903
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 20.40% Starting borrower rate/APR: 21.40% / 24.82% Starting monthly payment: $189.40
 
Auction yield range: 7.57% - 20.40% Estimated loss impact: 9.18%  
Lender servicing fee: 1.00% Estimated return: 11.22%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1978 Debt/Income ratio: 10%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $177Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: p2p-revelry Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car repairs & children school expen
Purpose of loan:
This loan will be used to pay for some major car repairs and my children's school expenses.

My financial situation:
I am a good candidate for this loan because my income exceeds my expenses. I'm also trying to rebuild my credit from past mistakes.

Monthly net income: $ 3,750

Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 90.00
??Car expenses: $ 150.00
??Utilities: $ 140.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 70.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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-1994 Debt/Income ratio: 50%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:16y 9m
Amount delinquent: $0 Total credit lines: 38 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,219Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: msflorida25 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: 12 ( 92% ) 720-739 (Latest)
Principal borrowed: $10,000.00< 31 days late: 1 ( 8% )  
720-739 (May-2010)
760-779 (Jul-2008)
760-779 (May-2008)
760-779 (Apr-2008)
 
Principal balance: $0.18 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
My personal loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Sep-1998 Debt/Income ratio: Not calculated
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,018Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: impressive-dinero8 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Debts
Purpose of loan:
This loan will be used to?pay down revolving credit debt.? ?

My financial situation:
I am a good candidate for this loan because?I have secure employment with guaranteed growth.? I own my insurance agency with an established book of business.? I?need to pay down the debt that I accumulated during the transition in my career.? My husband also has a steady job.

Monthly net income: $?5500?

Monthly expenses: $ Married / Combined Expenses
??Housing: $ 600????
??Insurance: $ 100 home?? $200 car
??Car expenses: $ 400
??Utilities: $ 350
??Phone, cable, internet: $?300
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 450 to 475
??Other expenses: $ 143
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484913
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 60 months Estimated loss: 3.50%  
   
 
Starting lender yield: 12.95% Starting borrower rate/APR: 13.95% / 15.33% Starting monthly payment: $348.64
 
Auction yield range: 4.06% - 12.95% Estimated loss impact: 3.55%  
Lender servicing fee: 1.00% Estimated return: 9.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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: Aug-1987 Debt/Income ratio: Not calculated
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,162Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: exchange-socrates6 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 my credit cards and moving
Purpose of loan:
This loan will be used to?
pay off credit cards and pay for moving expenses. I plan to move into an appartment which i will need to furnish with the part of the loan I do not use to pay off my credit cards.
My financial situation:
I am a good candidate for this loan because? once i pay off my credit cards i will not have any debt except for this loan and my car payment
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.00% Starting borrower rate/APR: 22.00% / 25.43% Starting monthly payment: $286.43
 
Auction yield range: 13.57% - 21.00% Estimated loss impact: 15.14%  
Lender servicing fee: 1.00% Estimated return: 5.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1993 Debt/Income ratio: 21%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:28y 7m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,229Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: enthralling-dedication3 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
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off credit cards at high interest rates and begin a new start on establishing and maintaining excellent credit as well as put me in a position to build back up my nest egg!
My financial situation:
I am a good candidate for this loan because I pay my bills responsibly, I have?worked for the same company for almost 20 years, I earn a good salary and my income/debt ratio is not out of proportion, I?have never filed bankruptcy or have any judgements or public notices outstanding.? ?

Monthly net income: $ 4400

Monthly expenses: $
??Housing: $?850
??Insurance: $?50
??Car expenses: $ 400
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $ 250
??Clothing, household expenses $ 450
??Credit cards and other loans: $ 650
??Other expenses: $varies
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484925
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $490.73
 
Auction yield range: 3.57% - 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-1996 Debt/Income ratio: 17%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,484Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: wise-trade-virtuoso Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Credit Cards
This loan would be used to consolidate credit card debts into one payment which would allow us to pay off our debt much quicker.

Monthly Combined Income (dual income family) = 6,200 (net)

Expenses -
Rent 1500
Car 0
Credit Card Payments 750
Student Loans 500
Insurance (life, renters) 100
Cable 125
Cell Phone - paid by employer
Car insurance 60
Child Care 400

_______

Debts paying off...

Card One - $4800 @19%
Card Two - $3500 @ 9%
Card Three - $2900 @ 18%
Card Four - $2800 @ 27%



Thank you! Your help is appreciated.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $240.16
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
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: Dec-2006 Debt/Income ratio: 19%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 5 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,994Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: influential-revenue9 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
My loan for debt consolidation
This loan will be used to pay down all my credit card debt ($1995.00) to a utilization of 7% on all 4, as well as a personal loan of $1500.It will enable me consolidate all the loans in one vehicle with one automated manageable monthly payment.I also Intend on using part of this loan to pay for my CMA prep classes.

I am a good candidate for this loan because my debt income ratio is managable. I am currently using Mint.com,Quizzle and My FICO.com as tools on reducing my credit card debts and I am dedicated to achieving a high score within the next 3 months. I believe I have the capacity to absorb and repay this line of credit.

Monthly net income: $2879.02
Monthly expenses: ??
Housing: $890.
??Insurance: $0 Company paid
?Car expenses: 0 (Company paid bonus plan)
??Utilities: $227
Phone, cable, internet: $36.(comcast internet) (company paid cell phone)
??Food, entertainment: $ $100. ( Meals usually consumed at work)
Clothing, household expenses $ 100
??Credit cards and other loans: $150
?Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $147.32
 
Auction yield range: 5.57% - 10.00% Estimated loss impact: 5.11%  
Lender servicing fee: 1.00% Estimated return: 4.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1980 Debt/Income ratio: 20%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 24Length of status:17y 1m
Amount delinquent: $0 Total credit lines: 63 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $207,702Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: MastersJacket 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: 7 ( 100% ) 720-739 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
 
Principal balance: $9,947.43 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Paying off credit cards
Purpose of loan:
This loan will be used to accelerate my plan to be debt free within?5 years.?

My financial situation:
I am a good candidate for this loan because I have stable employment and a very good payment history.? I do not sign loan agreements unless I know I have the resources to meet the obligation.

Monthly net income: $ 7500

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 700
??Car expenses: $350
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 400
??Clothing, household expenses $ 250
??Credit cards and other loans: $?3500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,400.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 20.21% Starting monthly payment: $159.07
 
Auction yield range: 5.57% - 17.00% Estimated loss impact: 6.25%  
Lender servicing fee: 1.00% Estimated return: 10.75%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-2000 Debt/Income ratio: 13%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 5 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $150Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: notocards 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
Various Home Improvement Projects
Purpose of loan:
Me and my wife own two homes. My current residence is paid off. The other is rented and paying for itself, and just about paid off.
Part of this loan will be used to put a new concrete in my outside garage. Company that sells concrete needs cash. The other part of the loan will be used to refresh my rental property. Currently I have tenants that are paying $950 a month and are moving next month. So I need to refresh the house before the new people move in.

My financial situation:
I am a good candidate for this loan because I always pay my loans on time and almost everything I borrowed is paid off. I have never been late on anything I borrowed. I live in a house that is paid off. The rental property is just about paid off. I used to work at a shipyard, but due to being older 53, I had to find something closer to the house. So now I work at Walmart, overnight shift. My cars are used and paid off.

Monthly net income: $

I am not including my wife's income, nor rental income, therefore I am only including my own Wal Mart income:

$1280? Net in Wal Mart


Monthly expenses: $
??Housing: $ 0
? Insurance: $ 170
??Car expenses: $ 35 Oil changes and repairs
? Fuel : $90
??Utilities: $ 120
??Phone, cable, internet: $ Paid for by my sons
??Food, entertainment: Not much, but $15
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 20
??Other expenses: $ Yard maintenance about $20 for fuel etc.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 10.57% Starting borrower rate/APR: 11.57% / 15.17% Starting monthly payment: $49.51
 
Auction yield range: 10.57% - 10.57% Estimated loss impact: 10.02%  
Lender servicing fee: 1.00% Estimated return: 0.55%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1995 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $624Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: valiant-gain7 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: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
760-779 (May-2010)
 
Principal balance: $1,278.27 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Paying off my credit card debt
Purpose of loan:
This loan will be used to? pay off credit card debt, holiday purchases, student loan payments

My financial situation:
I am a good candidate for this loan because? I have a regular income and expect raise + bonus in December. Should be able to completely pay off loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.75% Starting borrower rate/APR: 11.75% / 14.98% Starting monthly payment: $165.48
 
Auction yield range: 10.57% - 10.75% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-2001 Debt/Income ratio: 33%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wise-tenacious-euro 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
debt consolidation
Purpose of loan:
My fiance and I are going to pay off some of our unsecure debt to pay for our wedding.?????

My financial situation:
I have no delequent accounts and I will also have a joint income from my fiance,
Monthly net income: $
5,600
Monthly expenses: $
??Housing: $?500????
??Insurance: $ 75.00????
??Car expenses: $ 250.00
??Utilities: $ 125.00
??Phone, cable, internet: $ 40.00?
??Food, entertainment: $ 75.00
??Clothing, household expenses $50.00?
??Credit cards and other loans: $?580.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $82.46
 
Auction yield range: 10.57% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1991 Debt/Income ratio: 14%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 4Length of status:14y 0m
Amount delinquent: $5,158 Total credit lines: 45 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,443Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: sjwarren 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: 32 ( 94% ) 640-659 (Latest)
Principal borrowed: $9,999.00< 31 days late: 2 ( 6% )  
640-659 (Sep-2010)
640-659 (Dec-2007)
 
Principal balance: $723.63 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Buying a car to commute to work
Purpose of loan:
This loan will be used to buy a car to commute to work

My financial situation:
I am a good candidate for this loan because I have worked for the last year to get all my credit cards paid off and did so last month.? My Prosper credit profile does not yet reflect this but my amount delinquent is $0, my Revolving credit balance is $0 and my Bankcard utilization is 0%.

Please consider this loan I am a good reliable candidate.

Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $ 400
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 0
??Other expenses: $ varies
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-2002 Debt/Income ratio: 20%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 16Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 7Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 32 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,172Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: impressive-social 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
Car loan
Purpose of loan:
This loan will be used towards a new car.

My financial situation:
I am a good candidate for this loan because I'm very committed on making my payments on time. I fell behind on my some payments but they have all been cleared up and I'm trying to start fresh.

Monthly net income: $?6050.
About $2950 work paycheck, $1600 rental property income,? $1500 second rental property income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $519.25
 
Auction yield range: 5.57% - 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: Feb-2000 Debt/Income ratio: Not calculated
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,034Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: wonderous-agreement6 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
Moving
Purpose of loan:
This loan will be used to help me move.
My financial situation:
I am a good candidate for this loan because I already have the money in my retirement account. This is just a shorter term loan to bridge a transition in my personal life without actually cashing in retirement money if I don't have to.

I'm available to answer questions.

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 484975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.99% Starting borrower rate/APR: 12.99% / 16.24% Starting monthly payment: $252.67
 
Auction yield range: 10.57% - 11.99% Estimated loss impact: 11.06%  
Lender servicing fee: 1.00% Estimated return: 0.93%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1999 Debt/Income ratio: 17%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,243Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: transparency-director9 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 high int. credit cards
Purpose of loan:
This loan will be used to pay of my higher interest credit cards, which will be closed as soon as that happens. I'd rather pay a few individuals some interest than a huge nameless bank.

My financial situation:
I am a good candidate for this loan because I refuse to take the easy route and just not pay my bills. I used my credit cards, I ran up my limits, and I will pay them off. I make enough to cover my expenses, but I would like a lower interest rate than what I have now to pay off my credit cards a heck of a lot faster.

Monthly net income: $3182

Monthly expenses: $2245
??Housing: $0.00 (live with parents)
??Insurance: $0.00 (on parents policy)
??Car expenses: $400.00
??Utilities: $0.00
??Phone, cable, internet: $345.00
??Food, entertainment: $290.00
??Clothing, household expenses $125.00
??Credit cards and other loans: $855.00
??Other expenses: $230.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Apr-1990 Debt/Income ratio: 31%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 16Length of status:12y 6m
Amount delinquent: $101 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,126Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: top-adventurous-trade 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
Consolidate my debt!!
Purpose of loan:
This loan will be used to consolidate several high interest rate credit cards.

My financial situation:
We are?good candidates for this loan because my husband and I have stable jobs and careers.? We are parents of 3 daughters and take our credit seriously.? We have had some issues in the past (>7 years ago) that have brought our credit score down.? We are now very diligent about our debts.? We have also taken money management courses that have helped get us on track.

Monthly net income (after tax): $ 2350 myself /? $8000 husband ; $10350 combined

Monthly expenses: $ 6390
??Housing: $ 1650
??Insurance: $?153
??Car expenses: $ 712?
??Utilities: $ 550
??Phone, cable, internet: $ 350
??Food, entertainment: $ 1000
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 975
??Other expenses: $ 600

Monthly Net Income: $ 3960
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484993
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $218.33
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
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-2005 Debt/Income ratio: 24%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,604Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: jeffersonThompson Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
660-679 (May-2009)
540-559 (Aug-2008)
 
Principal balance: $2,727.69 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Let's get this done
I am listing this loan because I would like your help to pay down my credit cards. I have 100% on-time payment history (CreditKarma says I never missed any of my 273 payments on my record) and I am employed full-time. I have to start somewhere, and I'm asking you to help me start with $5000. I'm not going to let you down.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $81.42
 
Auction yield range: 16.57% - 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-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 3Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: blooming-durability2 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 780-799 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
780-799 (Feb-2010)
 
Principal balance: $3,810.66 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Consolidation
Purpose of loan:
This loan will be used to??Pay off and consolidate another loan.

My financial situation:
I am a good candidate for this loan because? I have excellent credit and a?low dti.

Monthly net income: $ 5000

Monthly expenses: $?1600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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: May-1974 Debt/Income ratio: 58%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 12Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $147,029Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: transparent-pound2 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
College tuition and pet bills
Purpose of loan:
This loan will be used to? pay son's tuition at UGA - he graduates in one year - my bulldog has cancer - paying off some of her med bills?????

My financial situation:
I am a good candidate for this loan because?
I have always paid my bills on time. My oldest son has graduated from college and my youngest will graduate in one year.?I have used credit cards and a home equity line of credit to ?help my? two sons get through college.??The home?equity line?of credit($90,000) is on a rental house that I own and my oldest lives in it. I have an english bulldog that has cancer and I have spent thousands of dollars on her treatment.?She is like one of our family. I have worked in banking over 35 years. Our house is paid for and in my husband's name. My husband has a good job and pays all of the household bills. My car is paid for. I will always make my payments on time.
Monthly net income: $ 3325.00???(mine alone)(net)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485011
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.57% - 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-1998 Debt/Income ratio: 43%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 9Length of status:16y 6m
Amount delinquent: $0 Total credit lines: 28 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,712Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: cfinna8 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 / 3 On-time: 59 ( 100% ) 720-739 (Latest)
Principal borrowed: $22,901.00< 31 days late: 0 ( 0% )  
760-779 (Jul-2010)
600-619 (Dec-2009)
600-619 (Oct-2009)
600-619 (Sep-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 59  
Description
4th Prosper Loan
Purpose of loan:
This loan will be used to? Pay off Some debt and Home improvement

My financial situation:
I am a good candidate for this loan because? This will be my 4th Prosper Loan

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 485013
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.80%  
   
 
Starting lender yield: 20.75% Starting borrower rate/APR: 21.75% / 27.60% Starting monthly payment: $38.06
 
Auction yield range: 10.57% - 20.75% Estimated loss impact: 10.30%  
Lender servicing fee: 1.00% Estimated return: 10.45%  
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): 7 First credit line: Oct-1992 Debt/Income ratio: 16%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:14y 8m
Amount delinquent: $0 Total credit lines: 26 Occupation: Flight Attendant
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,516Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: kcprice 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 / 2 On-time: 30 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
660-679 (Oct-2009)
640-659 (Jun-2008)
 
Principal balance: $571.73 31+ days late: 0 ( 0% )
Total payments billed: 30  
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 485019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $218.33
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
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: May-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:13y 10m
Amount delinquent: $0 Total credit lines: 16 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 7 Revolving credit balance: $15,824Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: mrstealth99 Borrower's state: Wisconsin Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Credit Cards Consolidation
Purpose of loan:
This loan will be used to Pay Off and consolidate my remaining credit card balances.

My financial situation:
I am a good candidate for this loan because I have worked extremely hard the past 3 years to be responsible with my credit and have worked to lower my debt and be proactive.? I have no late payments and no delinquencies, and have only 1 inquiry in the past 24 months.

I have 2 cars, both of which are paid.

My business is now established and doing well.? Sales are on the rise so my income level should continue to rise as well.

I have more than enough income to handle this loan.

Monthly net income: $4,000

Monthly expenses: $2,700
??Housing: $800
??Insurance: $150
??Car expenses: $100
??Utilities: $250
??Phone, cable, internet: $200
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $500
??Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $178.92
 
Auction yield range: 10.57% - 24.00% Estimated loss impact: 11.39%  
Lender servicing fee: 1.00% Estimated return: 12.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-2005 Debt/Income ratio: 13%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 6 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: balance-mogul7 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
Engagement Ring
Purpose of loan:
This loan will be used to? purchase an engagement ring diamond.

My financial situation:
I am a good candidate for this loan because? I have a good income (officer in the military) and few expenses.

Monthly net income: $ 4400

Monthly expenses: $
??Housing: $ 890
??Insurance: $ 80
??Car expenses: $ 352.72
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 519
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485043
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,255.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 23.50% Starting borrower rate/APR: 24.50% / 27.99% Starting monthly payment: $128.56
 
Auction yield range: 10.57% - 23.50% Estimated loss impact: 11.38%  
Lender servicing fee: 1.00% Estimated return: 12.12%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-2001 Debt/Income ratio: 18%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,990Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: marketplace-umbrella 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
Purpose of loan:
This loan will be used to? to pay two credit cards and a personal family loan.

My financial situation:
I am a good candidate for this loan because? I have never missed any payment(s), I have a good credit scrore and I have the financial capacity to pay the monthly payments. Please be free to ask for any additional information.

I promise you that the money will be used wisely!

Monthly net income: $ 4,100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1995 Debt/Income ratio: 25%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 14 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wealth-cougar 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
Just a little help
Purpose of loan:
monthly net income: $ my income 4500.00 wifes 2000.00

I am not sure were the delinquent is comming from as you can see it is zero dollars.? I would be using this loan to help consolitdate?the balance of my car payment one personal loan and some medical bills that my wife accured this year from 3 surgerys.



Monthly expenses: $ 4800.00 per month plus my wifes 1800.00
??Housing: $ 1968.00
??Insurance: $ 200.00
??Car expenses: $ 360.00
??Utilities: $?275.00
??Phone, cable, internet: $ 45.00 (wife works for company)
??Food, entertainment:?$800.00
??Clothing, household expenses $?200.00
??Credit cards and other loans: $?600.00
??Other expenses: $ 400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 448946
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.70%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 12.18% Starting monthly payment: $381.60
 
Auction yield range: 7.57% - 8.00% Estimated loss impact: 7.86%  
Lender servicing fee: 1.00% Estimated return: 0.14%  
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: Sep-1995 Debt/Income ratio: Not calculated
Credit score: 840-859 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 27 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,035Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: MisterBills Borrower's state: Florida Borrower's group: Harvard University Alumni &amp; Students
Credit and homeownership information was obtained 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: 9 ( 100% ) 840-859 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
(Mar-2006)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
debt consolidation for entrepeneur
Hello,

We are a young couple in Miami.? I graduated?as an undergraduate?from Harvard? University and Columbia Law School.? My wife graduated as an undergraduate from Harvard University and Yale Drama School.

I am currently an executive at a family owned real estate company based in Miami., and my wife is a costume designer currently taking care of our two children.

We have excellent credit and an annual combined salary of over $175K.? We have over $50K in our pension/retirement plans.? We are eager to get a lower interest rate on our debts and consolidate them into a single loan.? We expect to pay off the loan in well under the 3-year term limit; we are responsible, dedicated, committed and, to say the least, punctual.?

Please help us achieve our goals, consolidate our debts, and pursue our dreams of being debt free.

Thanks for your time and interest.? Be well.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 469708
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $113.09
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-1988 Debt/Income ratio: 85%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 21Length of status:20y 11m
Amount delinquent: $0 Total credit lines: 52 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,212Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: sturdy-bonus8 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
Credit Card Bills / Medical Bills
Purpose of loan:
This loan will be used to? Pay off a high interest credit card and some emergency hospital bills.? I know the dollar amount requested isn't much, but it will help reduce my monthly payment a great deal.

My financial situation:
I am a good candidate for this loan because? I am a hard worker and ALWAYS pay my bills.? I have worked at my job for almost 21 years.? It is in government, which requires honesty and interegity.? I know my Prosper rating isn't high, but believe I am trustworthy of this loan.? It would help me a great deal financially. I have not included my husband's income, but he makes about the same and is also in government.? Thank you for taking the time to look at my listing.

Monthly net income: $ 2428.00

Monthly expenses: $
??Housing: $ 811.00
??Insurance: $ 82
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 110
??Food, entertainment: $ 400 ????
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 500
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36 months Estimated loss: 1.30%  
   
 
Starting lender yield: 5.00% Starting borrower rate/APR: 6.00% / 6.34% Starting monthly payment: $456.33
 
Auction yield range: 2.57% - 5.00% Estimated loss impact: 1.29%  
Lender servicing fee: 1.00% Estimated return: 3.71%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-1995 Debt/Income ratio: 10%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,785Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: acouchy Borrower's state: NewYork Borrower's group: Ourtopia
Credit and homeownership information was obtained 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% ) 760-779 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
(Mar-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
My personal loan
Lo rate because loan is inter-familial. Plan to shift income between two ppl with diff marginal tax rates/investment ownership. Goal is tax arb w/documentation and formalization to meet spirit+letter of law.One-day 2% lender refund makes it favorable to execute AA loan through Prosper [Separately, lender cellardoor still has a degree of fondness for prosper, despite some disillusionment over the ultimate execution.]

My financial situation:
Attorney at large law firm in NYC working in corporate litigation, lives w/ fianc? (has substantial assets/income of his own). Both own property (not jointly) w/o mortgages. Revolving debt is either paid at end of cycle, w/exception of sizeable chunk of money at 0%/1%/1.99% etc apr offers locked in.To expedite process/meet the 1-day 2% lender refund offer (eg wrt W-2, etc), stated income limited to old salary. omits bonus, income/investments, proof of property ownership, etc. Salary will increase by $45,000 as of jan 1. Thus, debt-to-income ratio is grossly overstated.Fixed expenses are minimal, esp since fianc? covers maintenance, taxes, etc other housing costs.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483074
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,500.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25%  
   
 
Starting lender yield: 8.55% Starting borrower rate/APR: 9.55% / 11.65% Starting monthly payment: $368.65
 
Auction yield range: 3.57% - 8.55% Estimated loss impact: 3.27%  
Lender servicing fee: 1.00% Estimated return: 5.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Apr-2003 Debt/Income ratio: 22%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 18 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,719Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: azardm 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: 1 / 1 On-time: 9 ( 100% ) 720-739 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
700-719 (Dec-2009)
 
Principal balance: $6,202.70 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
2nd Loan-Help me be free of CC debt
Purpose of loan:
This loan will be used to pay off my remaining three credit cards totaling $11487 (1.$2850 at 14.99%, 2. $2809 @ 19.99 and 3. $5828 @ 12.99%). This loan along with the rate I am requesting will help me achieve our end goal - to be credit card debt free in time to buy our first home sometime early 2011.

I am an excellent candidate for this loan -
? Employed at a top 10 pharmaceutical company for more than four years as a research scientist.
? Focused plan to buy our first home with a good mortgage rate and down payment?- around April/May of 2011. ?
? Doubled household income as wife graduated this year with Masters in Chemical Engineering and?was employed?in September?as a process?engineer.
? Have stock options and 401K savings netting ~$30,000.

Since Jan 2010 to now I have -
? Reduced revolving credit from around $20,000 to $10,719.
? Reduced credit card utilization from 68% to 38% -?pay with cash for all expenses.
? Not requested any new credit and have excellent history of on-time payments.

Income and expenses breakdown -

My monthly net income: ~ $4400
Monthly expenses and investments: ~ $3100
?? - Rent, Utilities and insurance: $ 1200
?? - Auto expenses (own two cars): $ 150?
?? - Household expenses and others: $ 450
?? - Credit card payment: $ 800
?? - Investments - buy discounted company stock & 401K savings: $ 500

I look forward to answering any questions or concerns you may have.

Thank you.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484282
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $251.56
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 24.91%  
Lender servicing fee: 1.00% Estimated return: -8.34%  
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): 3 First credit line: Dec-1992 Debt/Income ratio: 52%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:16y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,468Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: reward-eclair 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
Sell Ford F150
Purpose of loan:
This loan will be used to? Pay off the negative equity on the Ford F150 included in my debts so that this truck can be sold.?

My financial situation:
I am a good candidate for this loan because? My credit history is excellent.? By getting this loan I will be able to pay off the neg. equity in the Ford truck that is including in my debts and sell it; thereby reducing my overall debt.

Monthly net income: $ The income shown in the above "Borrower's Credit Profile" is only my income-my husband has worked for Union Pacific Railroad for over 11yrs.? His income is an additional $60,000.? We can have this money saved up in the next 6 months, but want to get rid of the truck now while people are wanting to purchase this type of vehicle for winter driving.

Monthly expenses: $
??Housing: $ 1384.00
??Insurance: $ 100.00
??Car expenses: $ truck $666.73 & VW $416
??Utilities: $ 150
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $?350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $278.32
 
Auction yield range: 16.57% - 24.00% Estimated loss impact: 19.68%  
Lender servicing fee: 1.00% Estimated return: 4.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1998 Debt/Income ratio: 38%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:16y 7m
Amount delinquent: $0 Total credit lines: 14 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,831Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: squidy Borrower's state: Oregon Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained 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: 32 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
600-619 (Jun-2007)
600-619 (Jun-2007)
600-619 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Pay off Credit Cards
Purpose of loan:
This loan will be used to?
Pay off many small high rate credit cards.
My financial situation:
I am a good candidate for this loan because?
I have been in the same job for almost 17 years with a good steady paycheck.? I have had a prosper loan before, which I paid off early.. and understand what a great opportunity this is.
Monthly net income: $ 3600.00
Monthly expenses: $
??Housing: $ 975
??Insurance: $ 150
??Car expenses: $400
??Utilities: $ 200
??Phone, cable, internet: $100
??Food, entertainment: $ 400
??Clothing, household expenses?$100?
??Credit cards and other loans: $ 250
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484562
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1984 Debt/Income ratio: 22%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,376Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: compassion-meteor0 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
Paying off my credit cards
Purpose of loan:
This loan will be used to will be to pay off my credit card bills and some other miscellaneous bills.

My financial situation:
I am a good candidate for this loan because I have been at my present job for almost seven years and work hard to pay my bills. Had a rough patch a couple of years ago, but have been working to repair my credit rating, which used to be over 750. I have been working at least one job every day for the past 35 years. I was at a job for over 20 years and only changed employers when they sold the company.

I can't have friends and family bid on my loan, because it isn't available to lend in Nebraska.? Please don't hold that against me.

Monthly net income: $ 4,361

Monthly expenses: $ 3,972
Housing: $ 1,375
Insurance: $ 362
Car expenses: $ 140
Utilities: $ 250
Phone, cable, internet: $ 300
Food, entertainment: $ 750
Clothing, household expenses $ 100
Credit cards and other loans: $ 530
Other expenses: $ 165 (Doctor bills and prescriptions)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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: Dec-1996 Debt/Income ratio: 20%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 3 Current / open credit lines: 5 / 5Length of status:25y 11m
Amount delinquent: $884 Total credit lines: 24 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,254Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: leverage-cannon4 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
payoff creditcards and property tax
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 484808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.80%  
   
 
Starting lender yield: 27.00% Starting borrower rate/APR: 28.00% / 31.56% Starting monthly payment: $248.18
 
Auction yield range: 10.57% - 27.00% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.53%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1998 Debt/Income ratio: 25%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:11y 9m
Amount delinquent: $0 Total credit lines: 40 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $87,423Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: Prickly_Pete 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: 12 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,900.00< 31 days late: 0 ( 0% )  
760-779 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Paying off two credit cards
Purpose of loan:
I plan to use the loan to pay off two credit cards, an HSBC card and a Discover card.

My financial situation:
First, let me explain the D rating. A few years ago when the economy soured, most of the credit card companies cut my credit limits to the balances on my accounts. The result was 100% utilization of my credit cards which caused my credit score to drop. My income has remained consistent but because of the high utilization my credit score has suffered.? This also caused the credit card companies to raise my interest rates. I have a secure job, I pay my bills on time, and have no late payments on my credit. I previously had a loan with prosper and which was paid on time every month. I have a good salary and can afford to repay the loan. The current payment for the two cards I want to pay off is $225, the payment on this loan is only $23 more per month.

Monthly net income: $ 5,900

Monthly expenses: $
??Housing: $ 2,100
??Insurance: $ 41.00
??Car expenses: $ 500.00
??Utilities: $ 65.00 ( I have a fully paid for solar system which is why utilities are so cheap)
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1,600 (includes current $225 payment being made on cards being paid off with this loan.
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484818
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $125.78
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 24.91%  
Lender servicing fee: 1.00% Estimated return: -8.34%  
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): 3 First credit line: Apr-1982 Debt/Income ratio: 48%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 51 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $19,386Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: sitar583 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
Emergency
Purpose of loan:
This loan will be used?for a family emergency?

My financial situation:
I am a good candidate for this loan because I iwork 2 1/2 jobs, never miss work, pay my bills every month, have a great work ethic and wouldn't be trying to get this loan if I really did not need it for an emergency situation.? Not only that, I plan to pay it off early.? I want to mention the cars listed on my credit report are not all paid for by myself.? The Altima and the Chevy are in my name, but my daughters make the payments.? The 2007 is going to be put on automatic draft because my daughter said she is never 30 days late but it does show late pays.? We've had a discussion on her needing to take care of this reasonably soon and how it affects my credit.? But, I pay all of my bills ontime and never miss a month. Some I have paid off completely in advance.?

Monthly net income:? $ 3,700
plus commissions on real estate rentals and purchases which fluctuates monthly.

Monthly expenses: $ 2796
??Housing: $ 1443
??Insurance: $?included in mortgage and?medical deducted from my gross earnings.?

??Car expenses: $?553
??Utilities: $ 225
??Phone, cable, internet: $ 125
??Food, entertainment: $ 150
??Clothing, household expenses $ don't buy monthly
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 60 months Estimated loss: 3.50%  
   
 
Starting lender yield: 12.95% Starting borrower rate/APR: 13.95% / 15.33% Starting monthly payment: $348.64
 
Auction yield range: 4.06% - 12.95% Estimated loss impact: 3.55%  
Lender servicing fee: 1.00% Estimated return: 9.40%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Nov-1996 Debt/Income ratio: 4%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 5 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,769Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: excellent-market5 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
A Rated -Med Loan 4 Soldier Brother
My brother served in Iraq and came home with spinal injuries that left him severely limping when he walks and in pain. There is a spinal procedure that would take away the pain and get him to walk normal again, but his military benefits don't cover it. All they keep saying is to do physical therapy, which he has been strictly doing for well over a year now since he came home, and he is still suffering.? I have a good job, so I can definitely afford the monthly payments of $348 for this loan to pay for the procedure. My husband does not want me to use our credit cards or anything that would interfere with our own family's finances, but he agrees that if I can get funded here, then he would support my decision to help my brother.

My income is good and very stable (so is my husband's income) and I personally have been able to save about $1,000-$1,500 every month of my own income towards my kids' college fund, but we agreed that I wouldn't touch that savings. However, we agreed that, if you grant me this loan, I will make the payments on time every month, and just set aside a little less for the college fund for the next few years until this loan is paid off.

I have excellent credit and I work really hard to always pay my bills on time and pay them off. Helping my brother means a lot to me because he has taken care of me his whole life. Please grant me this loan, and I will prove to be one of your best borrowers.

God bless you for reading my listing. Thank you.

My income each month:
$8,166 BEFORE Taxes
$6,132 AFTER Taxes

Expenses each month:
Rent- $1,000
Electricity, water, gas, internet, phone, etc- $500??
Food- $650
Insurance- $200
Car- paid off
Auto Gas- $400
Credit cards- $22
Misc: $300
= $3,072 expenses each month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $294.03
 
Auction yield range: 16.57% - 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-2001 Debt/Income ratio: 14%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,726Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: exchanger383 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
Wedding loan Please read my story
Purpose of loan: This loan will help me cover the remaining balance I need to pay for my DEC 12TH wedding in full. I ask you to trust me and i will promise that i will repay by making my monthly payments on time without any delay.Thank You very much

If you are reading this and want to help to contribute to my loan for my upcoming wedding please don?t hesitate to ask questions. I can only give you my word to you guys online that I will pay the loan back on time and all the investors will get their share. I worked hard to keep my credit score high and I promise all of you that paying this loan will be my first priority. So please don?t hesitate to bid on my loan. My self and my future wife could easy afford pay this loan back after we get married, because of the amount of people we have at our wedding we are looking at 20-25k returned. You probably ask your self how you came up with that number. We went to lots of wedding at our church to our friends and family and now they will return the favor to us and that will pretty much pay for total cost for weeding and profit.

First of all I would like to thank everyone that bid on my loan but unfortunately it was not enough this either to have my loan funded 100% Let?s make it happen third time around please!!! .I believe I?m a great borrow because I have a low Dti ratio and I been making all my payments on time for the past couple years without any late payment and i do not have any credit card debt. In the past I was very irresponsible about my credit I was not educated how credit worked .But now I learned from my mistakes and I realize that credit is one of the most important think in life and I been showing that my mistake was corrected,

My financial situation:
I have a very stable job. I work in the medical field as a pharmacist tech for a company that has been in business more then 30 years. I work for a long term pharmacy we supply all the nursing home with medications 365/24 for approximate 8000 patient on a daily basis.

Monthly net income:3120 $ (3-5% raise to be applied at the end of the month)

Monthly expenses:
Housing: $ 0 (no mortgage fully owned)
Insurance: $ 70
Car expenses: $ 150
Utilities: $ 30/month
Phone, cable, internet: $ 30
Food, entertainment: $ 150
Clothing, household expenses $ 50
Credit cards and other loans: $50
Other expenses: $ 50
Student loans payment: $110/month
Missionary work sponsor: $50/month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 20.51% Starting monthly payment: $34.62
 
Auction yield range: 5.57% - 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: Jan-1997 Debt/Income ratio: 5%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 5Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $15 
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: courageous-note 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
for dental work
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 484850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1998 Debt/Income ratio: 22%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $1,902Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: diversification-taco7 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my Student Loan
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?I just?Graduated from school which was an incentive from my current employment to recieve an pay increase. I currently have a?Student Loan and small Debt which im currently paying $600 Month with Prosper I am able to pay $316.34 which that means I can pay towards my loan?Quicker! and be DEBT FREE!


Ive funded through prosper and seen that it can happen hoping for the same opportunity!? please donot hesitate to contact me.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 197.00
??Car expenses: $ 300.00
??Utilities: $
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-2007 Debt/Income ratio: 22%
Credit score: 600-619 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 12 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,192Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: No  
Screen name: Xamdogg 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: 1 / 2 On-time: 30 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2009)
520-539 (Mar-2008)
540-559 (Feb-2008)
 
Principal balance: $2,176.89 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
lowering interest on current loan
Purpose of loan:
This loan will be used to? pay off current prosper loan to lower interest rate..

My financial situation:
I am a good candidate for this loan because? i have had 2 prosper loans and i payed off one and the current on is in good standing

Monthly net income: $ 2,136

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 90
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484870
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $206.14
 
Auction yield range: 10.57% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1997 Debt/Income ratio: 22%
Credit score: 820-839 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:20y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,491Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: sadie541 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 820-839 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Finish My Home!!!
Purpose of loan:
This loan will be used to?finish the builiding process of my home.? I have added a few improvements during the building process and need a little extra just in case.?

My financial situation:
I am a good candidate for this loan because I am hard worker and strive for success in all avenues of my life.? I have had a loan through prosper and made it my # 1 Priority to pay off as soon as possible.? I will do the same with this loan.? Prosper was good to me and I have always kept their lending availability in the back of my mind.

Monthly net income: $
78,000.00
Monthly expenses: $
??Housing: $ 1,800
??Insurance: $?175.00
??Car expenses: $1000.00
??Utilities: $?120.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $
??Credit cards and other loans: $ 66.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $253.07
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1998 Debt/Income ratio: 13%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,503Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: discrete-money5 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
im looking fowaed to buy a new fami
Purpose of loan:
This loan will be used to?

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

Monthly net income: $
3,66
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 484886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $131.00
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
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): 5 First credit line: Mar-2008 Debt/Income ratio: 7%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,107Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: orange-fulfilling-wealth 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 a reliable car
Purpose of loan:
This loan will be used to? Buy a reliable car.

My financial situation:
I am a good candidate for this loan because? I take care of all my payments on time every month while still contributing to my 401k. My credit is actually higher than what this pull shows now but it wouldn't let me use anything except what it had already. I'm responsible and work a full time salaried position. The car I am buying is an excellent example and was owned by a mechanic, it will be nice to have a car I don't have to worry about and won't have any major surprises. My old car was problem after problem until it died completely recently which is why my bankcard percent is a little high over the last 6 months. Despite what prosper has rated me as, I'm not a high risk. I'm just young and don't have a long history of credit. This small loan for a used car makes much more sense than a brand new car loan for 4-5 times the amount. I will handle it without any problems, so bid with confidence. Thanks.

Monthly net income: $2500

Monthly expenses: $700
??Housing: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484892
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.57% - 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-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:0y 5m
Amount delinquent: $18,156 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,374Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: yahaveh Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 67 ( 100% ) 680-699 (Latest)
Principal borrowed: $8,900.00< 31 days late: 0 ( 0% )  
760-779 (Oct-2010)
660-679 (Jan-2008)
540-559 (Dec-2007)
(Mar-2006)
 
Principal balance: $432.16 31+ days late: 0 ( 0% )
Total payments billed: 67  
Description
Pay Off Medical Bills
Purpose of loan:
This loan will be used to?pay-off current medical bills comprising of?deductibles and co-payment totals.?

My financial situation:
I am a good candidate for this loan because?my only debt is one credit card, and a house payment, no car payments or student loans. I?pay my bills?on time and have?low overall debt. Delinquent amount on record is an old debt from 2006?that is a charge off. Creditor refused to work out a payment solution over time.?

Monthly net income: $ 4,500.00

Monthly expenses: $
??Housing: $ 1970.00
??Insurance: $ 150.00
??Car expenses: $ 0.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 375.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $ 150.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484894
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.57% Starting borrower rate/APR: 11.57% / 14.79% Starting monthly payment: $247.57
 
Auction yield range: 10.57% - 10.57% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.45%  
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): 5 First credit line: Jan-1956 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,315Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: important-nickel5 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
Build a covered deck for my home
Purpose of loan: This loan will be used to? Build an attached and covered deck for my home

My financial situation:
I am a good candidate for this loan because?I have excellent credit, I have low debt, and I pay my bills on time.? I have lived at the same address for the?past?4 years and I lived at my previous address for 10 years.? I live a conservative lifestyle.? I own stock in several major?companies,?and I have over?$ 25,000 in gold and silver mint coins in a safety deposit box at my local bank.?

Monthly net income: $ 5,100

Monthly expenses: $ 1436
??Housing: $ 435
??Insurance: $ 23
??Car expenses: $ 195
??Utilities: $ 97
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $ 70
??Credit cards and other loans: $ 58
??Other expenses: $ 183
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.57% Starting borrower rate/APR: 11.57% / 14.79% Starting monthly payment: $231.07
 
Auction yield range: 10.57% - 10.57% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.45%  
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): 5 First credit line: Jun-1999 Debt/Income ratio: 16%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $46,574Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: beyondmanagement 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
Divorce Settlement
Purpose of loan:
This loan will be used to pay attorneys for my divorce.

My financial situation:Stable
I am a good candidate for this loan because I have never paiud anything late, have stable job and income.

Monthly net income: $ 6000.00

Monthly expenses: $ 4500.00
??Housing: $ 2000.00
??Insurance: $ 200
??Car expenses: $800
??Utilities: $400
??Phone, cable, internet: $150
??Food, entertainment: $200
??Clothing, household expenses $50
??Credit cards and other loans: $100
??Other expenses: $75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484910
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.57% Starting borrower rate/APR: 14.57% / 17.85% Starting monthly payment: $258.41
 
Auction yield range: 10.57% - 13.57% Estimated loss impact: 11.10%  
Lender servicing fee: 1.00% Estimated return: 2.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-2008 Debt/Income ratio: 18%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 11 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,993Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: happy-compassion963 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
purchasing land
Purpose of loan:
This loan will be used to? Purchase Land

My financial situation:
I am a good candidate for this loan because? I am responsible. Don't do drugs or drink. Have a job,with a good work history. I have an excellent history of paying my bills on time and in full.

Monthly net income: $2,200

Monthly expenses: $
??Housing: $ 500.00 ???? ???? ????
??Insurance: $150.00
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $125.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $150.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484916
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 3.25%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 11.09% Starting monthly payment: $159.00
 
Auction yield range: 3.57% - 8.00% Estimated loss impact: 3.27%  
Lender servicing fee: 1.00% Estimated return: 4.73%  
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): 9 First credit line: Oct-1998 Debt/Income ratio: 16%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 32 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,077Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: bmw2 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: 0 / 3 On-time: 26 ( 100% ) 760-779 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
800-819 (Mar-2010)
800-819 (Oct-2009)
780-799 (Aug-2008)
820-839 (Dec-2007)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
4th loan - - reinvest in prosper
Purpose of loan:
This loan will be used to?
4000 will be used to pay off a balance transfer of 4000 for which the low introductory APR just expired.
Rest will be used to further diversify my prosper investments..

My financial situation: Same as last three loans which I had no problem paying.
I am a good candidate for this loan because?
I have a great history with prosper as well as having no delinquencies ever. My net (i.e. not including 401K/Healthcare/FSA etc.) is 3600 and for my wife is 600. Our expenses are: 1900 Mortgage 400 Utilities (Phone/Heat/DSL etc) This leaves $1900 for day to day expenses which we try to stay within so that each month we put some money towards investments. I believe the dip in credit history is due to the fact that I refinanced my mortgage and the homeownership is showing up as "No". I assume it takes a while for the new mortgage to show.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 30.97% Starting monthly payment: $39.76
 
Auction yield range: 13.57% - 24.00% Estimated loss impact: 15.28%  
Lender servicing fee: 1.00% Estimated return: 8.72%  
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): 6 First credit line: Apr-1990 Debt/Income ratio: 12%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,540Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: No  
Screen name: euro-paddle 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: 1 / 1 On-time: 12 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,900.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2009)
 
Principal balance: $2,117.96 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
paying off higher interest card
Purpose of loan:
I would like to pay off a credit card that has a very high interest rate.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $206.14
 
Auction yield range: 10.57% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-1991 Debt/Income ratio: 33%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,690Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: rate-sapling 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 760-779 (Latest)
Principal borrowed: $25,000.00< 31 days late: 0 ( 0% )  
780-799 (Nov-2009)
 
Principal balance: $18,929.37 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Need a new car!!!
Purpose of loan: This loan will be used to? FINANCE A CAR

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

Monthly net income: $ 4500.00

Monthly expenses: $ 3900.00??
Housing: $ ??Insurance: $???
Car expenses: $???
Utilities: $???
Phone, cable, internet: $???
Food, entertainment: $???
Clothing, household expenses $???
Credit cards and other loans: $???
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484950
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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-2009 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 3 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $274Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: stable-contract3 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
THing
Purpose of loan:
To take care of personal financies that have arisen.
My financial situation:
I?make payments on time and have never been late.?

Monthly net income: $
4200
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 89.75
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $?150
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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-1987 Debt/Income ratio: 84%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 4 Current / open credit lines: 11 / 11Length of status:5y 5m
Amount delinquent: $983 Total credit lines: 32 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,189Stated income:$1-$24,999
Delinquencies in last 7y: 8 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: spartan464 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
travel
Purpose of loan:
This loan will be used to?
?I'm planning to go to my family reunion next month.?

My financial situation:
I am a good candidate for this loan because?
I've faithfully paid all of my bills on time.? Never been late on my house payment.

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 484962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-2005 Debt/Income ratio: 50%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:5y 5m
Amount delinquent: $5,805 Total credit lines: 14 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,201Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: marketplace-starter Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my crdit cards
Purpose of loan:
Pay off all my credit card bills and pay for some online schooling

My financial situation:
I am a good candidate for this loan because? I work really hard,self motivated and always make sure that i pay my bills

Monthly net income: $ 2100

Monthly expenses: $
??Housing: $
??Insurance: $ 150
??Car expenses: $ 500
??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 484966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,900.00 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: $85.95
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Apr-1992 Debt/Income ratio: Not calculated
Credit score: 600-619 (Nov-2010) Inquiries last 6m: 8Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 27 Occupation: Postal Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,033Stated income:$1-$24,999
Delinquencies in last 7y: 3 Bankcard utilization: 84%  
   Homeownership: No  
Screen name: cr37 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 91% ) 600-619 (Latest)
Principal borrowed: $1,900.00< 31 days late: 1 ( 5% )  
560-579 (Dec-2006)
 
Principal balance: $0.00 31+ days late: 1 ( 5% )
Total payments billed: 22  
Description
Paying off credit card 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 484968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 36.28% Starting monthly payment: $65.50
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
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): 5 First credit line: May-2003 Debt/Income ratio: 45%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,240Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: note-ninja3 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
Moving into appartment.
Purpose of loan:
This loan will be used to? Help with my moving expenses into a new appartment. I work 35hours a week and am a part time student as well.

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

Monthly net income: $
2200
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 50
??Car expenses: $ 50
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 25
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $194.51
 
Auction yield range: 16.57% - 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-1995 Debt/Income ratio: 25%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $218Stated income:$50,000-$74,999
Delinquencies in last 7y: 30 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: cannon584 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
Payoff Moving Expenses to Friends
Purpose of loan:
I lost my employment back in June of 2010. I was fortunate?to find employment with another company, but in another state.?I incurred in quite a bit of moving expenses, relocating my family from North Carolina to Florida. I was fortunate to have family and friends that helped me out, but I would like to pay them back as soon as I can.

My financial situation:
I am a good candidate for this loan because both myself and my wife have steady employment with good, prospering companies. Although my credit report is not in the best of shape, I only have one credit card with a small balance of $200. Besides that, my debt-to-income ratio is very good. My bad credit rating is due to a loss of emplyment more than 2 years ago, and quite a few late payments. Everything has been handled and I have not had a late payment in more than 2 years. I would not have a problem paying this loan off. I have paystubs that I can provide to prove my income.

Monthly net income: $ 4,600 After Taxes

Monthly expenses: $?
??Housing: $ 1,650
??Insurance: $ 200
??Car expenses: $?589
??Utilities: $?100
??Phone, cable, internet: $?150
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 25
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484984
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 11.50% Starting borrower rate/APR: 13.50% / 16.76% Starting monthly payment: $61.08
 
Auction yield range: 10.57% - 11.50% Estimated loss impact: 11.04%  
Lender servicing fee: 1.00% Estimated return: 0.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-2001 Debt/Income ratio: 7%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,462Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: purposeful-order3 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 money for school
Purpose of loan:
This loan will be used to?
School

My financial situation:
I am a good candidate for this loan because?
I get financial aid in two months
Monthly net income: $
1200
Monthly expenses: $
550



??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 485004
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 25.43% Starting monthly payment: $152.76
 
Auction yield range: 16.57% - 21.00% Estimated loss impact: 25.19%  
Lender servicing fee: 1.00% Estimated return: -4.19%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-2004 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,876Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: focused-gain975 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Debt Consolidation
Purpose of loan:
This loan will be used to pay off several credit cards.

My financial situation:
I am a good candidate for this loan because I have never defaulted on any loans or had any late payments on any loans since my first credit card in 2004.

Monthly net income: $ 2701.33

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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-2002 Debt/Income ratio: 8%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 0 / 0Length of status:14y 6m
Amount delinquent: $98 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: flow467 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
fixing bathroom
Purpose of loan:
This loan will be used tofix my bathroom and buy christmas?

My financial situation:
I am a good candidate for this loan because?i need someone to give me a chance ?

Monthly net income: $2000

Monthly expenses: $
??Housing: $?195.00
??Insurance: $ 99.00
??Car expenses: $
??Utilities: $250.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $0?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1986 Debt/Income ratio: 21%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,113Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: lotus481400 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
Credit Card Consolidation
Purpose of loan:
I will use this loan to payoff two high rate credit cards.

My financial situation:
My credit is excellent, been on the job almost 7 years, had a friend tell me about Prosper and I thought it would be great?having my credit card debt transfered to a fixed installment payment.

Monthly net income: $ 7421

Monthly expenses: $
??Housing: $ 1721
??Insurance: $ 96
??Car expenses: $ 134
??Utilities: $ 167
??Phone, cable, internet: $ 98
??Food, entertainment: $ 210
??Clothing, household expenses $ 326
??Credit cards and other loans: $ 924.
??Other expenses: $ 109
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485020
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% - 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: Apr-1992 Debt/Income ratio: 20%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,309Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: camaraderi-mammalian 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
Paying for education
Purpose of loan:
This loan will be used to paying for education.?? I would like to get a diploma in gemology which is a 6 month program.

My financial situation:
I am a good candidate for this loan because I have excellent credit score and have been employed at my company over 4 years.? My condo is completely paid for and I qualified for a home equity loan except my mother is on the title with me and she does not live in this country and cannot sign the required paperwork.? I need another loan option in order to fund my educational pursuits.

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 20.00
??Car expenses: $ 80.00
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 1500
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 2.57% Starting borrower rate/APR: 3.57% / 3.90% Starting monthly payment: $146.67
 
Auction yield range: 2.57% - 2.57% Estimated loss impact: 1.54%  
Lender servicing fee: 1.00% Estimated return: 1.03%  
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): 10 First credit line: Aug-1995 Debt/Income ratio: 10%
Credit score: 820-839 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 46 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $54,605Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: bold-elated-loot 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
Expand my photography business
Purpose of loan:
This loan will be used to? buy some additional lighting equipment to expand my photography business.

My financial situation:
I am a good candidate for this loan because? I am currently in a stable contract position and I am making enough money to cover my expenses and debt including this loan. In addition, my photography business is making enough money to cover this loan payment as well. All of my photography income will go towards paying this loan off.

Monthly net income: $ $8000

Monthly expenses: $ 6100
??Housing: $ 1800
??Insurance: $ 1600
??Car expenses: $ 400
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $130.86
 
Auction yield range: 3.57% - 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: Jul-2001 Debt/Income ratio: 5%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 9 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $936Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: investment-seagull 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
To purchase a new used car
Purpose of loan:
This loan will be used to?
In addition to other money at hand to purchase a new used car for self.

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

My financial situation is good and stable and I always borrow only what I can afford to pay on time and in full. I have a good credit history and have never been delinquent. My current car is about 14 years old and fully paid for and I thought it was about time?I got a new one. I like the idea of a loan with prosper because the interest rate will be fixed and affordable.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485034
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 16.57% - 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: 35%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,867Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: forceful-yield5 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
Wedding Dreams!
Purpose of loan:
This loan will be used to?
Pay for my wedding. I agreed to a certain site when my parents were able to help me. They have since run into a financial situation and cannot help. I need this loan to cover the difference.
My financial situation:
I am a good candidate for this loan because?
I have always paid everything on time and will easily be able to repay this within 1 year! I am currently living with my parents to keep my monthly costs low, so I will be able to pay this loan off more easily than my credit score may reveal.
Monthly net income: $ 1800

Monthly expenses: $ 640.00
??Housing: $ 0
??Insurance: $110
??Car expenses: $315.53
??Utilities: $ 0
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $84.36
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1997 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,146Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: top-wonderous-credit 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
website and marketing materials for
Purpose of loan:
This loan will be used to purchase marketing materials for Coastal Cruzin Creative (beach clothing store)

My financial situation:
I am a good candidate for this loan because I am responsible and the monies from this loan will help with substantial growth for my small business

Monthly net income: $3650.00

Monthly expenses: $ 2450.00
??Housing: $1000
??Insurance: $30.00
??Car expenses: $250
??Utilities: $125
??Phone, cable, internet: $200
??Food, entertainment: $500
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.