Listing Report:Supplement No. 97 dated Nov 22, 2010 to Prospectus dated Jul 26, 2010
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jul 26, 2010 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jul 26, 2010 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 319654
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 12 months Estimated loss: 5.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 28.52% Starting monthly payment: $89.51
 
Auction yield range: 4.97% - 12.40% Estimated loss impact: 6.16%  
Lender servicing fee: 1.00% Estimated return: 6.24%  
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: May-2005 Debt/Income ratio: 10%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,722Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: Aragorn Borrower's state: Florida Borrower's group: Computer Professionals, Engineers and Business Startups
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Prosper Lender
Purpose of loan:
I will use this loan to invest in prosper loans and notes. I want to use this loan as a test drive to evaluate the actual return of this investment strategy and see if I move more of my saving into this platform.

My financial situation:
Currently I have $900 in proper notes with a portfolio yield of 12.37% (41%AA, 23%A,14%B,11%C,11%D). I also have a money market account with $3,000 in saving and a securities portfolio with current market value of $6,052.71.

Monthly net income: $ 3,333

Monthly expenses: $ 2,857
??Housing: $ 1375
??Insurance: $ 105
??Car expenses: $ 152
??Utilities: $ 120
??Phone, cable, internet: $ 85
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 120
??Other expenses: $ 200

This are my finances, my wife manages her money and she had her share of the mutual expenses (her expenses, income and savings are not included in this listing but we allocate most of her income for saving in long term investment accounts). As you can see I am responsible of the mortgage that is by far or larger expense.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 386706
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.57% Starting borrower rate/APR: 14.57% / 17.85% Starting monthly payment: $258.41
 
Auction yield range: 13.57% - 13.57% Estimated loss impact: 14.78%  
Lender servicing fee: 1.00% Estimated return: -1.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1986 Debt/Income ratio: 41%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,197Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: annesophiathea 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 Down Debt
Purpose of loan:
This loan will be used to help me pay down some of my high interest credit cards built up maintaining work experience and paying child care in the Bay Area, CA? during my daughters' Sophia and Jasimah's (Thea's) early years.

My financial situation:
I am a good candidate for this loan because I have always paid my debts and I am very motivated to start eliminating my debt so that I can start saving for my daughters' college funds over the next 8 years. For example, over the years I paid off two cars and am currently using an old paid off car to help meet my goals of financial responsibility while striving for financial independence. Unfortunately, as many are experiencing in the current economy, my husband's income has been drastically reduced and I have not been able to save from my current resources because of the high debt I am carrying.

Monthly net income: $ 4400

Monthly expenses: $
??Housing: $ 730
??Insurance: $ 80
??Car expenses: $ 95 (car is old but paid off)
??Utilities: $ 105
??Phone, cable, internet: $ 40
??Food, entertainment: $ 400
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 1600
??Other expenses: $ 40 allowance
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 430486
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1969 Debt/Income ratio: 17%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:19y 11m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $30,984Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: listing-rumbler938 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 off my credit cards
Purpose of loan:
This loan will be used to pay off high rate?credit cards.?

My financial situation:
I make all my payments monthly but have decided the 26 to 30% rates on my credit cards is beyond reasonable.?I am looking to close the cards and pay a more reasonable interest rate.

Monthly net income: $ 6349

Monthly expenses: $
??Housing: $ 1895????
??Insurance: $?176??
??Car expenses: $ 0
??Utilities: $ 362
??Phone, cable, internet: $205
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1905
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 430876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1998 Debt/Income ratio: 93%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 41 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $901Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: Bullman31 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 620-639 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2009)
620-639 (Apr-2008)
700-719 (Nov-2007)
720-739 (Sep-2007)
 
Principal balance: $1,982.32 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
My loan is for debt consolidation
Purpose of loan:
This loan will be used to? consolidate debt on credit card.

My financial situation:
I am a good candidate for this loan?this will be my second loan with propser. I have always paid my first prosper loan on time. Plus, I have?paid off three credit cards since my first loan. I am on the right track at rebuilding my credit score. However, in the mean time of getting control of my debts my son got a power wheel chair.?Now I would? like to consoidate some of those expeses together.

Monthly net income: $2000.00

Monthly expenses: $
??Housing: $ 450.00
??Insurance: $
??Car expenses: $ 370.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 631.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 447406
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 10.57% Starting borrower rate/APR: 11.57% / 14.79% Starting monthly payment: $82.52
 
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-1990 Debt/Income ratio: 48%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 17Length of status:23y 9m
Amount delinquent: $0 Total credit lines: 56 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,545Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: forceful-euro 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
My personal loan
Purpose of loan:
This loan will be used to pay for son's braces

My financial situation:
I am a good candidate for this loan because I have maintained a good credit profile of paying my bills on time and most of the time above the minimum payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 467078
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-2004 Debt/Income ratio: 50%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 12Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,840Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: vdubbora Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
660-679 (Mar-2010)
600-619 (Mar-2008)
520-539 (Dec-2007)
520-539 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Clear my Cards
Purpose of loan:
This loan will be used to?Consolidate my credit cards to pay only one loaner.

My financial situation:
I am a good candidate for this loan because?i have never made a late payment and always make more than minimum payment. I am a very public person, feel free to contact me if you have any questions.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ live with parents
??Insurance: $ 145
??Car expenses: $ ride my motorcycle to work, put $40 of gas in my car every 3 weeks.
??Utilities: $ live with parents
??Phone, cable, internet: $ dont pay for
??Food, entertainment: $ work 6-7 days a week dont ever go out for food or fun
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.57% - 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: Jul-1995 Debt/Income ratio: 17%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 9 Current / open credit lines: 6 / 6Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 22 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,182Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: wealth-association 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
SINGLE MOM needs APPLIANCES 4 HOUSE
Purpose of loan:
I have purchased a bank owned home that did not include any appliances (refridgerator, microwave, stove, diswasher, washer & dryer were all removed by the previous owner that was foreclosed on).? I am a first time homebuyer and I purchased this home because of the excellent value.

My financial situation:
I am a good candidate for this loan because I have been employed at the same government job for the past 6 years.? This has been my one and only job since graduating College in 2004.? I recently got a complete discharge from Chapter 13 Bankruptcy after successfully completing all my payments to the trustee.

Monthly net income: $ 5500

Monthly expenses: $?900
??Housing: $ 750
??Insurance: $ 100
??Car expenses: $ 0 (I?own it)?
??Utilities: $ 100
??Phone, cable, internet: $ 75?
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 0 ( I have 2 credit cards with ZERO balance.?)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484196
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 16.57% - 24.00% Estimated loss impact: 37.98%  
Lender servicing fee: 1.00% Estimated return: -13.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1995 Debt/Income ratio: 70%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:8y 3m
Amount delinquent: $1,076 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: ceilli Borrower's state: Texas Borrower's group: P2P Financial
Credit and homeownership information was obtained 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: 29 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,700.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
620-639 (Nov-2007)
560-579 (Nov-2006)
560-579 (Oct-2006)
 
Principal balance: $965.41 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Building My Community Newspaper
Purpose of loan:
The purpose of this loan is to continue building my newspaper business. My previous loan was used to get it into print. Now we need to get more visibility and purchase our own bins and racks to put in public places. The Bay Area Observer has been in print now for 10 months and is doing extremely well. We?ve expanded our distribution area from one community to nine communities. We have successfully established ourselves as the premier community newspaper in our area. I plan to buy refurbished racks, and will need 30 outside racks for $5,460 and 40 inside bins for $2,000.
My financial situation:

My financial situation is stable. I?ve paid one Prosper loan off with no late payments, and my current loan has never been late. My current debts are very manageable. I?m single with no children, so my personal expenses such as clothing, food etc. are low. I owe $1,600 on my vehicle, and it will be paid in full in three more payments, taking an extra $425 off my monthly expenses.
Monthly net income: $2100.00Monthly expenses: $1088.00Housing: $0.00Insurance: $43.00 p/mCar expenses: $422.00 per monthUtilities: $100.00Phone, cable, internet: $50.00Food, entertainment: $150.00Clothing, household expenses $100.00Credit cards and other loans: $63.00 per monthOther expenses: $160.00 land payment
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484500
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $174.66
 
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: Oct-2000 Debt/Income ratio: 41%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,896Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: finance-acrobat Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 19 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2010)
600-619 (Sep-2009)
600-619 (Oct-2008)
620-639 (Aug-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Pay off credit cards.
Purpose of loan:
To pay off and close the two larger balanced credit cards that I have left. I?ve been paying off and reducing my debt drastically. My goal is to be completely debt free in two years.

My financial situation:
I am a good candidate for this loan because I have always taken full responsibility for what I owe. I am honest, trustworthy, hardworking and reliable. Two prosper loans in the past have helped me out tremendously. These were both fully paid off.

My one public record is for a tax bill from my divorce in 2005. The tax owed that year was the responsibility of my ex-husband as per our divorce agreement. After years with no contact, I was surprised with this bad mark on my credit report. I promptly paid the balance due, but cannot remove the mark from my credit since the return had been filed jointly. Another life lesson learned.

Monthly net income: $ 1740

Monthly expenses : $ 1135
(Living with fianc?, therefore my expenses are vastly reduced)
Auto Insurance/Petrol: $120
Car loan: $260
Cell Phone: $ 55
Food, entertainment: $ 150
Clothing: $150
Credit cards: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484568
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: May-1994 Debt/Income ratio: 39%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:21y 9m
Amount delinquent: $204 Total credit lines: 36 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,301Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: reward-samaritan2 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
getting back on track
Purpose of loan: to pay off some of my debt and have one place to pay.
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?I?believe in paying back what i owe and will pay back most of the loan with my tax return?
I fell behind trying to take care of my sick sister and paying for her medical and housing expenses. I need this loan to pay pay off some debt and try to improve my credit scores.
Monthly net income: $ 3,500

Monthly expenses: $?
housing:?Car expenses: $ 299
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 500
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 16.57% Starting borrower rate/APR: 17.57% / 21.30% Starting monthly payment: $53.91
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 19.21%  
Lender servicing fee: 1.00% Estimated return: -2.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-2001 Debt/Income ratio: 17%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 7Length of status:8y 0m
Amount delinquent: $15,818 Total credit lines: 36 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,917Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: lordfeyr 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to?
Consolidate debts.
My financial situation:
I am a good candidate for this loan because?
I have a steady income with union guaranteed 40 hours per week job. Deliquency ammount is due to losing home in the California real estate market. No other accounts have late payments.
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 484970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25%  
   
 
Starting lender yield: 9.55% Starting borrower rate/APR: 10.55% / 12.66% Starting monthly payment: $260.21
 
Auction yield range: 3.57% - 9.55% Estimated loss impact: 3.28%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
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): 9 First credit line: Jun-1989 Debt/Income ratio: 9%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $314Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: candlqr 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: 30 ( 88% ) 720-739 (Latest)
Principal borrowed: $15,000.00< 31 days late: 4 ( 12% )  
740-759 (Dec-2007)
 
Principal balance: $993.06 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Restore the 2004 Cadillac XLR
Purpose of loan:
This loan will be used to?
Complete the restoration of my 2004?Cadillac XLR. I am 85% complete but I would like to finish it sooner. I find myself with less and less time to work on my project. It comes in spurts, but I would like it completed by spring 2011.
My financial situation:
I am a good candidate for this loan because?
I have 1 more payment on my current Prosper loan after this month. I am very trustworthy and patient.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.57% - 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: Jul-1990 Debt/Income ratio: 12%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:4y 8m
Amount delinquent: $3,956 Total credit lines: 50 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $432Stated income:$100,000+
Delinquencies in last 7y: 21 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: jmart30702 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: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2010)
720-739 (Dec-2009)
720-739 (Nov-2009)
680-699 (Sep-2009)
 
Principal balance: $1,647.28 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Paying off more credit cards
Purpose of loan:
This loan will be used to? Paying off more credit cards

My financial situation:
I am a good candidate for this loan because? I have a loan open?with prosper and paying on time for 9 months

Monthly net income: $ 6800

Monthly expenses: $
??Housing: $ 2500
??Insurance: $?75
??Car expenses: $ 400
??Utilities: $ 160
??Phone, cable, internet: $ 200
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 160
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.57% - 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): 6 First credit line: May-1985 Debt/Income ratio: 24%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:12y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,944Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: chitownguy58 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
Help paying for daughter's bar exam
Purpose of loan:
This loan will be used to? help pay for my daughter's bar exam prep class and bar application fees

My financial situation:
I am a good candidate for this loan because? I have a 12 year work history with the same employer and solid earnings. Savings were recently eaten up due to a medical emergency involving my younger daughter.

Monthly net income: $ 5600

Monthly expenses: $
??Housing: $ 0 -?Living rent-free??
????Insurance: $ 75
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 300
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485072
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $84.90
 
Auction yield range: 16.57% - 29.00% Estimated loss impact: 19.99%  
Lender servicing fee: 1.00% Estimated return: 9.01%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1998 Debt/Income ratio: 14%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:9y 0m
Amount delinquent: $0 Total credit lines: 31 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,203Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: newest-heroic-vigilance 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
Credit Card consolidation
Purpose of loan:
This loan will be used to payoff credit cards

My financial situation:
I am a good candidate for this loan because I have steady employment and no deliquencies.

Monthly net income: $ 3900

Monthly expenses: $ 3215
??Housing: $ 1700
??Insurance: $ 0
??Car expenses: $ 540.00
??Utilities: $ 75
??Phone, cable, internet: $ 200
??Food, entertainment: $300?
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485084
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1997 Debt/Income ratio: 11%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,981Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: platinum-circuitry Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from 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 debt, just got promotion
Purpose of loan:
This loan will be used to? pay off immediate debt

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

i just got a nice promotion, so i can pay the loan early
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 485114
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.00% Starting borrower rate/APR: 32.00% / 35.65% Starting monthly payment: $217.77
 
Auction yield range: 16.57% - 31.00% Estimated loss impact: 20.12%  
Lender servicing fee: 1.00% Estimated return: 10.88%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1995 Debt/Income ratio: 10%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:27y 9m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: exciting-market6 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
Getting out of debt
Purpose of loan:
This loan will be used to? payoff high interest revolving debts. When I was diagnosed with cancer we used our credit cards and have not been able to pay them off since.

My financial situation:
I am a good candidate for this loan because? I have a stable income, own my own home, my kids are no longer at home.

Monthly net income: $ 2633.22 every 28 days

Monthly expenses: $ 1798.00
??Housing: $ 673.00
??Insurance: $ 200.00
??Car expenses: $ 50.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?250.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 225.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485120
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.58% Starting borrower rate/APR: 17.58% / 20.92% Starting monthly payment: $269.57
 
Auction yield range: 16.57% - 16.58% Estimated loss impact: 19.21%  
Lender servicing fee: 1.00% Estimated return: -2.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1995 Debt/Income ratio: 12%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 8 Current / open credit lines: 5 / 5Length of status:0y 3m
Amount delinquent: $1,341 Total credit lines: 17 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $74Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: OWN1996 Borrower's state: Alabama 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 86% ) 620-639 (Latest)
Principal borrowed: $2,000.00< 31 days late: 5 ( 14% )  
540-559 (Mar-2008)
520-539 (Feb-2008)
520-539 (Dec-2006)
520-539 (Nov-2006)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Pay Off Debt from Business Failure
Purpose of loan:
This loan will be used to?Settle debt from business failure in 2005
I left a good paying salaried job?for an opportunity to be self employed.?The only debt I had at the time was a $10,000 student loan. I had 15,000 in capital and?very low cost of living expenses. I kept my?fixed living expenses very low?and planned on saving?enough money to cover my living expensed for a full year. The first year,?my income was around 30,000.?My second year, I?opened a satellite company?which enabled me to keep more income, but also increased my overhead.?I?began to live on my savings.and?opened a line of credit with Bank of?America for 2,000. Towards the end of the year, I?invested?5,800 on advertising. Business was up and down and soon I found myself out of money and defaulting on payments. I began living commission check to commission check. By the end of 2005, my credit was destroyed, I was broke and looking for a way out of the business. Fortunately, I closed a deal that gve me enough capital to move out of Texas and back to my parents home. I started my career over again.?With a college degree, I worked landscaping and eventually began paying off some debt. I took out a prosper loan, which I paid off in 3 years.

I'm back on my feet financially and have a well paying job in management.?I have increased my debt load since moving back by?enrolling in school?and taking on an additional $15,000 in student loan debt. Other than that,?my expenses are low and I have been using extra income to pay down debt.??

Settling my debts (2,000 line of credit is now 5,000 charge off due to interest; 5,800 yellow page ad is now a charge off for?5,000) will enable?me to?pay off my last two major creditors and improve my credit score over the next few years.

My financial situation:
I am a good candidate for this loan because I have a good, well paying job and can afford to meet all my monthly obligations as well as pay off debt. More importantly, I have learned that my credit was not?solely due to my unsuccessful attempt at self employment. It was?because I did not?stick to a budget and manage my money.?At the end of the day, self employment did not create my situation, I did. I'm?very determined to change my financial reputation and live my life as a creditworthy person.

Monthly net income: $ 2,900 ( 1,440.00 bi-weekly net)

Monthly expenses: $ 1,895
??Housing: $?320? (I live in a condo which is?owned?by my parents. I pay HOA fees?of 245.00 per month as well as annual property tax?or approx. $900.00
??Insurance: $ 166
??Car expenses: $?200 (gas)
??Utilities: $ 106
??Phone, cable, internet: $ 20? (i do not?pay for cable - my computer is hooked up to my tv)
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
?Credit cards and other loans: $?633
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485138
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $147.62
 
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: Sep-1982 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 6Length of status:1y 1m
Amount delinquent: $5,952 Total credit lines: 30 Occupation: Realtor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,765Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: handshake_007 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
Mortgage Loan Officer Course
Last 2 delinquency's have been paid. I will pay back the loan on time and pay off the loan faster than the three year term. This is a loan for a Mortgage loan Officer class I am taking to as a career. I need a few new updated business supplies like an nice new lap top and chair as well. You can view my on-line college for Ohio at www.hondros.com

Thank You!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1993 Debt/Income ratio: 29%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 6Length of status:3y 9m
Amount delinquent: $3,411 Total credit lines: 51 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,705Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: tygres428 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 / 1 On-time: 29 ( 100% ) 700-719 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2010)
660-679 (Aug-2009)
680-699 (May-2008)
 
Principal balance: $3,544.30 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
2nd Prosper Loan-pay down debt
Purpose of loan:

This loan will be used to catch up the mortgage payment, reduce monthly debt,?pay off some bills, and?go towards braces.?

My financial situation:

I am a good candidate for this loan as I have?a good paying job and I?take my?commitments seriously.?I have a current Prosper Loan that has always been paid on time and will be paid off June 2011. We had a setback and fell behind?and want to catch up.? The mtg can offer an additional?payment plan each month?but will continue to tack on?58 a month for late fees and mark up my credit report?until it is caught up.

So I am reaching out to the Prosper community for help. With a 340 a month payment, I can?catch up on the mortgage,?get rid of the monthy acruing late fee, get rid of the bad marking on my credit, get a few bills paid off, save money each month,?and get phase II done for the middle child's braces.

Thank you in advance for taking the time to evaluate my situation and for considering me for a loan.?


Monthly net income: $?6680 plus $1900 from husband

Monthly expenses: (combined w/husband)??

Housing: $ 1750??
Home Equity Loan: $400??
Auto Loan: $?745??(2 cars - 1 almost paid off)
Utilities: $ 400
Phone, cable, internet & cell phone: $ 200
Food, entertainment, and other: $ 600
Credit cards, misc bills?and other loans: $ 1500???
Medical:? $100???
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.25%  
   
 
Starting lender yield: 9.55% Starting borrower rate/APR: 10.55% / 12.66% Starting monthly payment: $195.16
 
Auction yield range: 3.57% - 9.55% Estimated loss impact: 3.28%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
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): 9 First credit line: Oct-1992 Debt/Income ratio: 27%
Credit score: 800-819 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:20y 9m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $858Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: fund-advocator7 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 800-819 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
800-819 (Sep-2010)
800-819 (Jan-2010)
 
Principal balance: $4,441.64 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Paying Off Car Loan
Purpose of loan:
This loan will be used to?pay off my car loan and have a lower monthly payment?

My financial situation:
I am a good candidate for this loan because?my financial and employment situation has not changed since my first loan?was made
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485158
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.50% Starting borrower rate/APR: 21.50% / 24.92% Starting monthly payment: $75.86
 
Auction yield range: 10.57% - 19.50% Estimated loss impact: 11.27%  
Lender servicing fee: 1.00% Estimated return: 8.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-2001 Debt/Income ratio: 8%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Student - College J...
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
Save someones life
Purpose of loan:
This loan will be used to.
Uphold the principles our country was founded on.

My financial situation:
I am a good candidate for this loan because?
I get financial aid in two months. And I have a job. I did not list it because there's only space for one and I get more money from school.? I have a good college record and get my aid in two months. I always pay my debts. Furthermore I believe in doing what is right. My sister also gets her financial aid in two months, but she wont get it because she is in jail. I understand that people deserve to be punished for breaking the law, but what happened to innocent until proven guilty. It seems that today as soon as the government accuses someone of something the public just assumes they are guilty. I have seen people charged with a crime they did not commit sit in jail for up to a year and then be found not guilty. But who gives them their house back, or their job, or their kids. The court just says "good luck" and society says "well they probably did it anyway". I believe in the founding principles of this country and our founders put that stuff in there for a reason. They left Europe for a few reasons, and unjust prosecution was one of them. Once the case is over and the person has been found guilty they deserve their punishment: not before. Please help me give my sister a chance to defend herself.
Monthly net income: $
1600
Monthly expenses: $
600



??Housing: $ 420
??Insurance: $ 50
??Car expenses: $
??Utilities: $ 50
??Phone, cable, internet: $ 25
??Food: $ thank God for grandmothers
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485162
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 16.57% Starting borrower rate/APR: 17.57% / 21.30% Starting monthly payment: $53.91
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 19.21%  
Lender servicing fee: 1.00% Estimated return: -2.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-2001 Debt/Income ratio: 30%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,901Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: thorough-treasure Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a more viable computer
Purpose of loan:
This loan will be used to purchase a faster computer to facilitate my 3D modeling. I plan on selling models to 3D designers.

My financial situation:
I am a good candidate for this loan because I can easily make payments over the minimum. I live with family and have plenty of money to spare monthly. However, there are several personal projects I am engaged in at this time that I would like to keep flowing money towards, and buying a new computer would disrupt that, hence the need for a loan.
Monthly net income: $1600.00

Monthly expenses: $605.00
? Housing: $0.00
? Insurance: $0.00
? Car expenses: $0.00
? Utilities: $0.00
? Phone, cable, internet: $0.00
? Food, entertainment: $200.00
? Clothing, household expenses: $0.00
? Credit cards and other loans: $345.00 (my last loan is almost done and paid through January 4th 2012)
? Other expenses: $60.00 (mobile phone)

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485164
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1992 Debt/Income ratio: 12%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:3y 7m
Amount delinquent: $583 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 19 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: LaSenie 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
business expense
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 485170
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2001 Debt/Income ratio: 38%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 25 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,296Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: kindness-jedi6 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
Not HR, Please Help.
Purpose of loan:
This loan will be used to pay off a high rate credit card, this is the 4th listing that i post?but I changed the amount hoping to get 100%. The last listing it was 38%.? Thanks for all the bidders on that listing I really appreciate it. Hope you can help me on this?one.?In advance thanks for bidding!!
My financial situation:
I am a good candidate for this loan because?I have a steady and secure job, and I am about to start my commercial cleaning business so there will be extra income.?And I am responsible paying my debt, I have pay them on time every time, and I dont considered myself HR.? I rather pay interest to people that are willing to help people like me to get out of debt by paying those credit cards. So its a win-win?situation you help me by getting this loan to pay oof that credit card and in return I pay the insterest to you.? Thanks for taking the time to read this listing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485172
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $180.76
 
Auction yield range: 16.57% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-2000 Debt/Income ratio: 20%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $486Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: niceguy44 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
Pay down personal loan
Purpose of loan:
This loan will be used to?pay down my personal loan at Citifinancial (over $6,000 balance at 24.99% APR).? The savings?between?the lower prosper.com interest rate and the higher?Citifinancial rate ?would result in significant savings.

A personal photo will be sent to potential lenders as an email attachment upon request (I had difficulty posting my photo on this webpage).

My financial situation:
I am a good candidate for this loan because?I have been?very responsible with my credit over the past?five years, and have made all payments?ahead or on?time.? A prime example of this was an automobile loan?with GMAC.? The loan was made in May 2008, with the?terms were for a $10,000,?54 month loan;?I paid off the entire balance of the loan in two years (May 2010).? Additionally, the credit score generated from prosper.com does not truly reflect my "real" credit score.? I am a longtime subscriber of mycreditkeeper.com.? As of November 5, 2010, my credit scores were reported from mycreditkeeper were as follows:

Experian = 665
Equifax = 705
Transunion = 686

I will gladly provide a copy of my credit scores from mycreditkeeper.com upon request.

Monthly net income: $ 2,200
My net income does vary depending upon the time of year.? I work in an administrative position for a resort-hotel for most of the year (March-April through October-November).? During the season my monthly net income is approximately $2,500; during the offseason I receive unemployment benefits, with my monthly net income of approximately $1,500.? Hence an average monthly net income of $2,200.?

I will gladly provide?written documentation of my income upon request.?

Monthly expenses: $
??Housing: $200
??Insurance: $100
??Car expenses: $100
??Utilities: $0
??Phone, cable, internet: $120
??Food, entertainment: $250
??Clothing, household expenses $100
??Credit cards and other loans: $250
??Other expenses: $25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485178
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Jul-1984 Debt/Income ratio: 10%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,719Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: epic-p2p5 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate 2 Car Loans
Purpose of loan:
Will be to consolidate 2 car loans into 1 lower monthly payment and pay some other small bills.

I am a good candidate for this loan because I am a hard worker and have been at my job for about 12 years.? I am a stable person to lend money to and have paid my bills on time for the last 2 years.? I am trying to improve mine and my family's lives and hope to do that with your help.? Please believe in me. thank you!

Monthly net income: $ 4,361

Monthly expenses: $ 3,972
Housing: $ 1,375Insurance: $ 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 485180
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $260.15
 
Auction yield range: 10.57% - 19.00% Estimated loss impact: 11.25%  
Lender servicing fee: 1.00% Estimated return: 7.75%  
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): 7 First credit line: Aug-2006 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 8Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,412 
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: transparency-squirrel991 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Want to Live Debt-Free!
Purpose of loan:
This loan will be used to pay off my credit card debt.

My financial situation:
I am a good candidate for this loan because I never fall back on payments. I am unemployed but I have family support.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 16.57% Starting borrower rate/APR: 17.57% / 23.27% Starting monthly payment: $35.94
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 37.51%  
Lender servicing fee: 1.00% Estimated return: -20.94%  
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): 1 First credit line: Feb-1998 Debt/Income ratio: Not calculated
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 6Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:0y 0m
Amount delinquent: $512 Total credit lines: 26Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,644 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: p2ploan-authority Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car Repair
Purpose of loan:
This loan will be used to?car repair

My financial situation:
I am a good candidate for this loan because? I am rebuidling my credit since my set?back?five years ago?

Monthly net income: $ 1248

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $133
??Utilities: $ 0
??Phone, cable, internet: $0
??Food, entertainment: $ 0
??Clothing, household expenses $100
??Credit cards and other loans: $ 40
??Other expenses: $
netflix 12.99
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 7.57% - 34.00% Estimated loss impact: 9.53%  
Lender servicing fee: 1.00% Estimated return: 24.47%  
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: Jun-1982 Debt/Income ratio: Not calculated
Credit score: 840-859 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:14y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $104,272Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: enriching-euro 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
Quick Loan, Even Quicker Repayment!
Purpose of loan:
Hi.? I'm just curious to see how this works.? I will repay this loan in full within 30 days.
My financial situation:
I am a good candidate for this loan because?I don't need the loan.? Really.? I just want to see how this works.? I promise to repay the loan in full within 30 days - and probably sooner than that.? Thanks.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
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): 5 First credit line: Mar-2006 Debt/Income ratio: 19%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,954Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: HVSPax Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
620-639 (Oct-2007)
 
Principal balance: $0.92 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Consolidate Credit Card Bills
Purpose of loan:
To improve my credit score, I would like to consolidate all of my credit card payments and try to get a lower cost overall of paying it off with a lower interest rate.
My financial situation:
I'm a traveling Physical Therapist assigned in Colorado at the moment. I have worked for the company I am currently working for for a total of 1.5 years (I used to travel with them before I took a permanent job in Seattle). I decided to go back to traveling with my company about 6 mos ago for the higher income and benefits of flexibility.? I currently am also working per diem shifts to earn extra income with a local healthcare staffing agency. I try to pay extra on my credit card obligations but doing the math with my current interest rates shows me that it would end up costing me quite a bit to try to spread the payments to all my credit cards with all of their high interest rates.
Here is the current breakdown of my credit card bills (current balances as of 11/19/2010):
Chase Cards (I have 2):?
$4181.87 @ 22.24%
$2189.54 @ 29.99%
Capital One:
$511.77 @ 22.90%
Orchard Bank:
$300.00 @ 26.99%
I also have MD bills I'd like to take care of with this loan: $540.
Total for all bills to consolidate would be: $7723.18 (the loan is for $7500)
Weekly net income (primary job + per diem shifts):$1600 - $1900 (mo. ave of approx $6500, high range of $7000 depending on extra shifts, mileage, and OT)Monthly expenses: $
? Rent(apt): $ 400
? Auto Insurance: $ 80
? Car expenses: $ 375
? Utilities: $ 100
? Cell Phone: $ 160
? Food, entertainment, gas: $ 350
? Clothing, household expenses $ 200
? Credit cards and other loans: $ 830
? Other expenses (Remittances abroad): $ 3750
? Savings: $ 255 When the loan gets funded, I would keep the monthly payments to the credit cards the same except it will be paid towards the loan at a lower interest rate. The benefit would be that the loan would be paid off sooner.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485188
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $63.60
 
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): 7 First credit line: Jun-1993 Debt/Income ratio: Not calculated
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:9y 0m
Amount delinquent: $0 Total credit lines: 14Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: carolinepaige 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 35 ( 100% ) 780-799 (Latest)
Principal borrowed: $4,700.00< 31 days late: 0 ( 0% )  
760-779 (Jul-2007)
800-819 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
3rd Time Borrower - No Brainer
Purpose of loan:
This is my 3rd loan through Prosper. I am using the proceeds of this loan to purchase an Oki C3400N printer and Stahl's 16x20 Heat Press. The balance of the funds available will be used for apparel and printer consumables. I will be using this equipment to print inspirational quotes on women's apparel through my clothing line called Wisdom & Chaos. I have successfully been embellishing women's cotton clothing and marketing these items through my own website and Etsy.com. This loan will enable print capabilities to current line.

My financial situation:
I am a good candidate for this loan as I have used Prosper previously for 2 other loans. Each was paid back according to the terms and I am sure all of the Prosper investors were pleased that they invested in me. I am a retired stay-at-home mom. I am in a position where I could pay for this equipment outright but like using Prosper to keep my credit score high by having a borrowing history.

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 485196
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
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: Jun-1994 Debt/Income ratio: 18%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:16y 3m
Amount delinquent: $0 Total credit lines: 67 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,898Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: statuesque-funds8 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
Installing new heating/air unit
Purpose of loan:
This loan will be used to install a new heating and air conditioner unit.? I am a good candidate for this loan because I just received a promotion to Assistant Principal which came with a raise.? After paying all of my bills (including my mortgage and my savings) I still have about $1,300.00 to spend.?

Monthly net income: $ 5400

Monthly expenses: $
??Housing: $ 1300
??Insurance: $?100??
? Car expenses: $500
??Utilities: $ 500
??Phone, cable, internet: $200?
??Food, entertainment: $ 200
??Clothing, household expenses $300
??Credit cards and other loans: $?700
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1998 Debt/Income ratio: 17%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:18y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $32,807Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: economy-iris 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
Debt Consolidation
Purpose of loan:
This loan will be used to....debt consolidation

My financial situation:
I am a good candidate for this loan because? I have been employed last 18 years at same company...good credit

Monthly net income: $ 6800.00

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485200
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 4 First credit line: Jul-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 18 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,059Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: LifeontheRoad 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?payoff?high interest cards and establish myself with the Prosper community where hopefully I'll be?able to get better rates as I prove myself to other lenders.?

My financial situation:
I am a good candidate for this loan because??
We have excellent credit with no late paymentsfor the last 7 years.?My scores are all?very good?and can be verified. Last month we paid off an additional $4000 on our cards. My wife and I drive together and have been doing so since 1997.?We have been in theTransportation Industry for over 20 years.
Monthly net income: $8500

Monthly expenses: $ Approx:?$4500
??Housing: $1400?????????
??Insurance: $200?????
??Car expenses: $ 0 Free and Clear
??Utilities: $120
??Phone, cable, internet: $250
??Food, entertainment: $6-800
??Clothing, household expenses $250?
??Credit cards and other loans: $250
??Other expenses: Truck payment $1118
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485206
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 11.50% Starting borrower rate/APR: 12.50% / 12.85% Starting monthly payment: $100.36
 
Auction yield range: 2.57% - 11.50% Estimated loss impact: 1.56%  
Lender servicing fee: 1.00% Estimated return: 9.94%  
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): 10 First credit line: Jun-1995 Debt/Income ratio: 10%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 10m
Amount delinquent: $0 Total credit lines: 13 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,524Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: Liam227 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
Paying credit card bill for dental
Purpose of loan:
This loan will be used to? Pay off a higher interest credit card that is normally paid off in full every cycle but due to dental bills has a balance that I would rather pay to prosper than to the credit cards.

My financial situation:
I am a good candidate for this loan because? I am a long time prosper lender have not had any bad credit entrees with the exception of the ones my ex caused to be put on my record without my knowledge (she has been gone for over 5 years) and am steady in my employment. Thank you all...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485222
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 20.40% Starting borrower rate/APR: 21.40% / 24.82% Starting monthly payment: $568.21
 
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): 7 First credit line: Jul-1993 Debt/Income ratio: 70%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 36 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,589Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: duty-jam 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
adding additional room to house 1st
Purpose of loan:
to build a master bedroom on the 1st floor of my home?

My financial situation:
I am a good candidate for this loan because I pay all of my bills on time never late and my home is paid off

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 75
??Car expenses: $100
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Food, entertainment: $?300
??Clothing, household expenses $?50
??Credit cards and other loans: $?400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 10.57% Starting borrower rate/APR: 11.57% / 14.79% Starting monthly payment: $82.52
 
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: May-1987 Debt/Income ratio: 18%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 43 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,418Stated income:$25,000-$49,999
Delinquencies in last 7y: 34 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: oldgyrl 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
consolidating debt
Purpose of loan:
This loan will be used to consolidate debt
My financial situation:
I am a good candidate for this loan because? of my credit history.

Monthly net income: $

Monthly expenses: $
??Housing: $ 825.00
??Insurance: $ 50
??Car expenses: $ 40
??Utilities: $?50
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 375
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485228
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $259.99
 
Auction yield range: 13.57% - 14.00% Estimated loss impact: 14.80%  
Lender servicing fee: 1.00% Estimated return: -0.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1986 Debt/Income ratio: 57%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,401Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: peace-haven5 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
paying off credit card
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 485232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $309.21
 
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): 6 First credit line: May-2000 Debt/Income ratio: 42%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,555Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: dt27 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 720-739 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2008)
 
Principal balance: $2,238.05 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
refinancing high interest credit
Purpose of loan:
This loan will be used to pay off a higher interest credit card

My financial situation:
I am a good candidate for this loan because I am a responsible borrower with an established history of paying on time and in full. By refinancing into this loan I will reduce my monthly credit card/loan expenses by close to $200 or more depending on the final interest rate. The monthly payment on this loan will only be slightly more ($20-$30) more then I am already paying on an existing prosper loan that will be paid off with this loan. I am looking to Reduce my cost of credit and in turn pay down my debt quicker.

Monthly net income: $3750.00 pretax

Monthly expenses: $ 2882.00
Housing: $948 (including taxes and insurance)
Insurance: $72 (car insurance, health is provided by my company)
Car expenses: $ 540 (car payment and gas for the month, maintenance is free for another year)
Utilities: $ 140 (gas electric and HOA)
Phone, cable, internet: $ 182 (cellphone and internet)
Food, entertainment: $ $400
Credit cards and other loans: $600 ( will be reduced to by at least $128 if loan is funded)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485234
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $185.82
 
Auction yield range: 10.57% - 19.00% Estimated loss impact: 11.25%  
Lender servicing fee: 1.00% Estimated return: 7.75%  
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): 7 First credit line: Dec-1994 Debt/Income ratio: 79%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 19 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,726Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: keen-commerce5 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
To pay off medical bills
Purpose of loan:
This loan will be used to pay off medical bills.

My financial situation:
I am a good candidate for this loan because? I'm not going into this blind.? I understand what a responsibility this is and would not accept ANYTHING that I couldn't handle.? I pay all my bills on time.? Bottom line, I am a responsible person, if I didn't think I could handle a loan I would not take one.

Monthly net income: $ 1333

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 302
??Utilities: $ 0
??Phone, cable, internet: $ 35
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 85
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485246
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
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-1998 Debt/Income ratio: 19%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 42 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 21 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: positivesista80 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Fixing our main plumbing drain
Purpose of loan:
This loan will be used to repair the main sewerage drain of our home. Being able to get this loan will mean that we don't have to continuously worry about sewerage backing up into our basement (it's happened several times) and will finally be able to take care of the basic needs of a family (washing clothes at home, washing dishes, taking a shower, etc.)

My financial situation:
I am a good candidate for this loan because I always pay on time and have adequate and consistent funds to pay back this loan. I filed for bankruptcy in 2009 and have been unsuccessful in obtaining a traditional loan and want the opportunity to rebuild my credit outside of the banking industry. I believe this form of peer-to-peer lending is one of the best financial ideas on the Internet.

Monthly net income: $ 2600.00

Monthly expenses: $
??Housing: $ 0.00 (no mortgage owed)
??Insurance: $ 200.00
??Car expenses: $ 365.00
??Utilities: $ 250.00
??Phone, cable, Internet: $ 300.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 300.00 (property taxes)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485258
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 18.57% Starting monthly payment: $51.92
 
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: Dec-2000 Debt/Income ratio: 10%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,717Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: tenacious-peace1 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit card
Purpose of loan:
This loan will be used to?pay off credit card for holidays

My financial situation: is in good shape
I am a good candidate for this loan because?i have 2 dependants and will receive a good amount at tax time. My wife also works and makes $1200 a month. I am also in no debt to anybody.

Monthly net income: $ 2200

Monthly expenses: $ 2500
??Housing: $1300
??Insurance: $60
??Car expenses: $300
??Utilities: $120
??Phone, cable, internet: $200
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $included with others
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 7 First credit line: Oct-1985 Debt/Income ratio: 10%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:11y 3m
Amount delinquent: $0 Total credit lines: 5 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,276Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: worth-cleansing1 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
trucking made easy
Purpose of loan:
This loan will be used to?
This loan will be to add working capital to our small trucking company. needed income to exspand and create 2 more jobs in community.
My financial situation:
I am a good candidate for this loan because?
I have always paid my bills on time, cannot work with local bank due to no collatorial to put up for funds and lender wants 40% down for money.
Monthly net income: $ 12000.00

Monthly expenses: $
??Housing: $ 1130.00
??Insurance: $ 100.00????
??Car expenses: $?150.00??????????Utilities: $ 150.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 100.
??Clothing, household expenses $? 100.00??Credit cards and other loans: $ 450.00
??Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485264
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1994 Debt/Income ratio: 22%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 6Length of status:11y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,394Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: auction-eclair 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
Had to Relocate..... Added Expense
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 485266
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $117.61
 
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-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 7Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 15 / 10Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,979Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: frankiecooper Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (Dec-2009)
640-659 (Oct-2009)
640-659 (Sep-2009)
680-699 (Jan-2008)
 
Principal balance: $2,343.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
2ND Prosper Loan. Not giving Up!!

?I am a Personal Trainer in Los Angeles CA. 2 years ago I set off on my own to open Pure and Simple Fitness ? a personal training business where I no longer had to share in the profits derived from training sessions. You can check out my site HERE. The problem: when my oldest daughter was born, much of the related expenses/everyday expenses were put on CC?s and then during the financial meltdown my available credit was reduced which triggered increasing interest, a higher debt ratio, and a lower score. My FICO increased to over 700 in the beginning of 2010 and then subsequently dropped to 673. The drop was due to a) My wife lost her job and the money I had begun to pay towards more-than-minimum on my cards was being re-directed towards a bigger chunk of every day household expenses, and b) I purchased my vehicle (which I also use for business) out of its lease.
I am trying to pay off the last of my highest interest cards. I have negotiated 5 of my cards down and closed the ones I could. The PNC Bank card is the last of the cards high interest/high balance cards that simply would not negotiate down (it?s @ 28.99% with not ONE late payment). My wife has since gotten a job (yay!) and I am now starting to get back on track, but I would really like to take a chunk out of the PNC card. It?s a psychological block, I guess, and I think it would provide a tremendous relief to finally get rid of it. You will notice that I already have an existing loan from Prosper (for which I am extremely grateful) with not ONE late payment. I may have a high ratio right now, but I PAY MY DEBTS, and on time. (Fascinating that loans are funded more easily to borrowers with delinquencies, but c'est vie...).This is a RE-RE-LIST with a lower request. I adjusted it based on the increased likelihood of it being funded.
Feel free to ask me any questions you might have, and thanks for bidding!!! To all those who bid on my first two requests - THANKS and please feel free to bid again. Let's see if the 3rd time is a charm....

Monthly net income: $ 6700

Monthly expenses: $ 5783
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485270
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1998 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: 2 / 2Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,364Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: leverage-conservationist9 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
SingleMom wants to Consolidate Debt
Purpose of loan:
I am a single mom trying to consolidate debts that were accrued during my divorce process. My goals are to become debt free within the next 3-5 years, set a good financial example for my girls, and begin a savings account so that one day I can provide my family with our own home.

My financial situation:
I am a good candidate for this loan because I have the means to make my payments and the drive to do so.

Monthly net income: $ 1,289.80

Monthly expenses: $ 683.00
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 73
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 210
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485276
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 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: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-1997 Debt/Income ratio: Not calculated
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 41 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,907Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: brownmoose_com 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 4 On-time: 30 ( 100% ) 660-679 (Latest)
Principal borrowed: $10,001.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2010)
700-719 (Jan-2010)
720-739 (Aug-2009)
(Mar-2006)
 
Principal balance: $0.54 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
The safest HR you'll find...Part V
Greetings!?

It's time to dip into the power of p2p lending and ask for your support to fund our 5th Prosper loan.? We funded our first Prosper loan back in 2006, so you might say we're one of the "dinosaurs".? We're very proud of the fact that we've never missed a payment for any of our loans and it's been a win-win for both our investors and our company.? As we've retired our debt, our credit score has gone down.? Conventinal wisdom might ask "If you have less debt, then why is it going down?"? Credit scores are a function of how much debt you maintain, and we believe in becoming debt free as quickly as possible.? We look forward to carrying this relationship with Prosper into the future, and?ask that you check?Prosper often for our loans.? Now let's get to work and make some money....together!!


Brownmoose.Com
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $212.26
 
Auction yield range: 16.57% - 29.00% Estimated loss impact: 38.29%  
Lender servicing fee: 1.00% Estimated return: -9.29%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1990 Debt/Income ratio: 7%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 2 Current / open credit lines: 2 / 2Length of status:6y 4m
Amount delinquent: $11,081 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 8 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: jrvjn Borrower's state: NewYork Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Expand Business Credit
Purpose of loan:
This loan will be used to? to purchase a corporation with an existing business credit line so I may expand my business lines. This is a real
opportunity for me to very well become financially independent. This corporation and business line could finally open some doors for me and my family that have been closed for six years now.

My financial situation:
I am a good candidate for this loan because? I will repay this loan within a few months as soon as I acquire this corporation. I can provide any interested lender with the company from where I am purchasing this corporation from so you may verify my intentions. The payments are also affordable.

Monthly net income: $ 3,900.00

Monthly expenses: $
??Housing: $ 900.00
??Insurance: $
??Car expenses: $270.
??Utilities: $ 165.00
??Phone, cable, internet: $119.00
??Food, entertainment: $ 350.
??Clothing, household expenses $125.00
??Credit cards and other loans: $0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485282
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $168.71
 
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: Dec-1997 Debt/Income ratio: 35%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 23 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,813Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: ekulender 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
Helping a family member out
Purpose of loan:
This loan will be used to help a family member out during a tough time.

My financial situation:
I am a good candidate for this loan because I always repay my bills and am a trustworthy person

Monthly net income: $7,100

Monthly expenses: $
??Housing: $1,850
??Insurance: $
??Car expenses: $450?
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $1,100
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485288
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $126.53
 
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-2001 Debt/Income ratio: 13%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 11 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $267Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: paragon12 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
Lots of unanticipated expenses
Purpose of loan:
I've had a lot of unanticipated expenses of late.? I've had some deaths in the family, who did not have life insurance and I helped out in those cases.? I've also had to purchase another vehicle as my truck finally went out.? Lastly, I need some extra money to spend to make sure my twin daughters have a good Christmas.? Normally, I have a cash surplus, but with the events over the last few months, I'm pretty strapped.

My financial situation:
I generally have a nice cash surplus.? I also have a 401k, though I do not want to take a loan out against it.? I make over 110k a year and last year I netted 180k with overseas work.? All of this is verifiable with W2 or Earning Statements.?

Monthly net income: $ 6200

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 500
??Car expenses: $ 900
??Utilities: $ 200
??Phone, cable, internet: $ 300
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485292
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $210.89
 
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: Jun-2000 Debt/Income ratio: 20%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 8 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,929Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: direct-camaraderi4 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 down my credit accounts.
Purpose of loan:
This loan will be used to pay down my high interest credit accounts.? Saving to buy my first (and last) home.

My financial situation:
I am a good candidate for this loan because of my consistent and ontime payment history and income.

Monthly net income: $ 3000.00? (apx)

Monthly expenses: $?2110.00 ??
??Housing: $ 790.00
??Insurance: $ 70
??Car expenses: $ 300
??Utilities: $ 35
??Phone, cable, internet: $ 130
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485294
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: 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: $338.87
 
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: Jun-2001 Debt/Income ratio: 11%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,675Stated income:$50,000-$74,999
Delinquencies in last 7y: 22 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: river355 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Nov-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Qiuckly paying down debt...
Purpose of loan:
This loan will be used to? pay off existing short term debt into one payment.

My financial situation:
I am a good candidate for this loan because?I am a banker and plan on paying this back in 6 months time.

Monthly net income: $ 5,666

Monthly expenses: $
??Housing: $ Mortgage payment is 541
??Insurance: $ 550/year
??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 485306
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,700.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 36.00% / 39.75% Starting monthly payment: $123.67
 
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: May-1994 Debt/Income ratio: 19%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,294Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: russmoney 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2010)
 
Principal balance: $2,437.62 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Computer Repair Business Phase 2
Purpose of loan:
This loan will be used to continue the expansion of my small computer repair business. The last expansion went so well, I have so many ideas that will further the growth of my business.?

My financial situation:
I am a good candidate for this loan because I not only make my payments on time; I make them early. In my first prosper loan I have made every payment on time/early and never missed a payment. The continual growth and betterment of my personal credit is important to me, so you can be assured every payment will be made on time.

Monthly net income: $ 2400 (From employment only)

Monthly expenses: $
??Housing: $?450
??Insurance: $ 36
??Car expenses: $ 223
???Other expenses: $ 700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485308
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 30.97% Starting monthly payment: $39.76
 
Auction yield range: 16.57% - 24.00% Estimated loss impact: 25.38%  
Lender servicing fee: 1.00% Estimated return: -1.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Sep-1991 Debt/Income ratio: 35%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:19y 8m
Amount delinquent: $0 Total credit lines: 91 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,064Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: dupa1998 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 / 2 On-time: 10 ( 77% ) 660-679 (Latest)
Principal borrowed: $2,500.00< 31 days late: 3 ( 23% )  
620-639 (Oct-2010)
620-639 (Sep-2010)
660-679 (Oct-2009)
640-659 (Sep-2009)
 
Principal balance: $1,103.62 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Holiday Assistance
Purpose of loan:
This loan will be used to get me through the holidays, which will help for xmas presents and groceries.? I also will use a portion of the money to pay off my smallest credit card (Belk Dept Store $300).

My financial situation:
I am a good candidate for this loan because I still?maintain a great job with job security, and get receive a paycheck every two weeks.? I will be using money?receive in February 2011, to pay off this loan, as well as my current prosper loan.?

Monthly net income: $ 3,800

Monthly expenses: $ 3,000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485310
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Apr-1998 Debt/Income ratio: 7%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 9 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: alga68 Borrower's state: Georgia Borrower's group: Not Active
Credit and homeownership information was obtained 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 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,001.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
**Want To Pay Off Credit Card**
Purpose of loan:
This loan will be used to pay off credit card debt and make minor home improvements.

My financial situation:
I am a good candidate for this loan because I believe in paying my bills on time and have had a prosper loan before in which I was never late. In fact, I paid it off in advance. Comparatively, I have a low debt to income ratio as I don't believe in biting off more than I can chew.? In a couple of months, I am scheduled for a 17% raise on my job. I will use this loan to pay off my credit card and make some home improvements. Thank you very much for your consideration.

Monthly net income: $ 2920

Monthly expenses: $
??Housing: $ 402.75
??Insurance: $?150??Car expenses: $?0? Both?vehicles paid for.
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Jul-1976 Debt/Income ratio: 24%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 16Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,410Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: urbane-income 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
WEDDING
Purpose of loan:?THIS LOAN IS GOING TO PAY FOR MY WEDDING ON DEC 18 2010?

My financial situation?? is very good the mortage that is listed on my profile is now actually rental property with an income of 1100 a month the property is paying for itself.I am going to move into my future wifes house that she already owns. property was left to her.

Monthly net income: $ 3500.00

Monthly expenses: $
??Housing: $ ooo
??Insurance: $ 175????????????
??Car expenses: $ 400
??Utilities: $ 250
??Phone, cable, internet: $ 99
??Food, entertainment: $ 400
??Clothing, household expenses $?100
??Credit cards and other loans: $700
???Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485328
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $225.32
 
Auction yield range: 13.57% - 14.00% Estimated loss impact: 14.80%  
Lender servicing fee: 1.00% Estimated return: -0.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 9 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,728Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: purposeful-community7 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
Consolidate my credit cards
Purpose of loan:
This loan will be used to? consolidate my credit cards.

My financial situation:
I am a good candidate for this loan because? I always pay my bills on time.? My expense are low because my family has allowed me to live without paying rent while I am working.

Monthly net income: $ 300

Monthly expenses: $ 520
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 400
??Clothing, household expenses $ 20
??Credit cards and other loans: $
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.00% Starting borrower rate/APR: 28.00% / 31.56% Starting monthly payment: $144.77
 
Auction yield range: 16.57% - 27.00% Estimated loss impact: 19.87%  
Lender servicing fee: 1.00% Estimated return: 7.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-2004 Debt/Income ratio: 12%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,904Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: myke1322 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 Credit Cards
Purpose of loan: Paying off credit cards
This loan will be used to?pay off credit cards
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
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: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-2007 Debt/Income ratio: 22%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 8 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,055Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: lively-commitment4 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
Having more of piece of mind
Purpose of loan:
This loan will be used to help me with some billls, around the house, and keep from over drafting.

My financial situation:
I am a good candidate for this loan because not only am i always on time with my bills but i know what im responsible for.

Monthly net income: $ 1400

Monthly expenses: $
??Housing: $ 250
??Insurance: $ 217
??Car expenses: $ 266
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 20
??Clothing, household expenses $
??Credit cards and other loans: $ 172
??Other expenses: $ 60
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485346
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 35.64% Starting monthly payment: $42.18
 
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: Sep-2007 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 6 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: nickel-porcelain Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
buying a new car for myself have a
Purpose of loan:
This loan will be used to help pay for a car

My financial situation:
I am a good candidate for this loan because?? i have a good job and am reliable

Monthly net income: $ 1500

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 485350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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 485368
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 27.31% Starting monthly payment: $596.40
 
Auction yield range: 5.57% - 24.00% Estimated loss impact: 6.38%  
Lender servicing fee: 1.00% Estimated return: 17.62%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-2002 Debt/Income ratio: 23%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 13 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,366Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: exciting-deal582 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
Down Payment
Purpose of loan:
This loan will be used as part of a down payment for a property I am purchasing.

My financial situation:
I am a good candidate for this loan because I Always make my payments. I have enough monthly revenue to make this payment. I pride myself in budgeting and managing my expenses and this extra payment is already calculated into my budget. I have a very steady job and my expenses are next to nothing. If you have any questions or concerns please feel free to ask.

Monthly net income: $3,250.00

Monthly expenses: $1,196.00
??Housing: $778.00
??Insurance: $65.00
??Car expenses: $0.00
??Utilities: $100.00
??Phone, cable, internet: $75.00
??Food, entertainment: $100.00
??Clothing, household expenses $25.00
??Credit cards and other loans: $28.00
??Other expenses: $25.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485382
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-2001 Debt/Income ratio: 50%
Credit score: 640-659 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 6Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 47 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,129Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: Danlo123 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest cards
Purpose of loan:
This loan will be used to pay off high interest credit cards.

My financial situation:
I am a good candidate for this loan because i am employed, and the loan will allow me to free up cash flow to ensure repayment of the loan.

Monthly net income: $2,800

Monthly expenses: $ 1,449
??Housing: $300
??Insurance: $60
??Car expenses: $50
??Utilities: $100
??Phone, cable, internet: $80
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $659
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485388
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 19.50% Starting borrower rate/APR: 20.50% / 23.90% Starting monthly payment: $149.68
 
Auction yield range: 10.57% - 19.50% Estimated loss impact: 11.27%  
Lender servicing fee: 1.00% Estimated return: 8.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1999 Debt/Income ratio: 19%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:0y 9m
Amount delinquent: $614 Total credit lines: 13 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,560Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: moola-maverick1 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
Engagement Ring
Purpose of loan:
This loan will be used to? by my girlfriend of 5 years an engagement ring.

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

Monthly net income: $ $5000.00

Monthly expenses: $
??Housing: $ 612.50
??Insurance: $ 96.00
??Car expenses: $ 380.00
??Utilities: $ 95.00
??Phone, cable, internet: $ 89.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $
??Credit cards and other loans: $ 250.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485394
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 23.00% Starting borrower rate/APR: 24.00% / 27.88% Starting monthly payment: $58.85
 
Auction yield range: 16.57% - 23.00% Estimated loss impact: 19.62%  
Lender servicing fee: 1.00% Estimated return: 3.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1980 Debt/Income ratio: 29%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 32Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,488 
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: DBCS1 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 / 1 On-time: 20 ( 77% ) 700-719 (Latest)
Principal borrowed: $10,200.00< 31 days late: 6 ( 23% )  
680-699 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Paying property Tax
Purpose of loan:
This loan will be used to? Purpose of loan:
This loan will be used to? Pay second installment 2009 property tax which was delayed this year and is falling on the Christmas holiday season.

My financial situation:
I am a good candidate for this loan because? I have a reliable fixed monthly income from Civil Service retirement, VA service connected disability, and spousal share of wife's social security.

My financial situation:
I am a good candidate for this loan because? I am very reliable having had no late payments on any accounts including mortgage payments and I previously pre-paid a $10,200 3 year Prosper loan. I will be glad to answer any questions regarding my loan request.As noted my credit score has improved and is above what it was 2 years ago when I paid off an earlier Prosper loan of $10,500ahead of schedule missing no payments and having no late payment penalties.


Monthly net income: $ 3,830

Monthly expenses: $ 3042
??Housing: $ 1400
??Insurance: $212
??Car expenses: $ 295
??Utilities: $250
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $309.21
 
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: Jun-1984 Debt/Income ratio: 9%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 5 Current / open credit lines: 3 / 3Length of status:11y 2m
Amount delinquent: $10,785 Total credit lines: 36 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 6 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 32 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: takeaction1 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 / 2 On-time: 61 ( 91% ) 720-739 (Latest)
Principal borrowed: $8,200.00< 31 days late: 6 ( 9% )  
580-599 (Feb-2008)
620-639 (Jul-2007)
 
Principal balance: $602.10 31+ days late: 0 ( 0% )
Total payments billed: 67  
Description
Two PriorLoans: both PAID on time!
Purpose of loan:
This loan will be used to?
Been driving a 1999 auto that is now on it's last legs!? Found a very nice late model used car to replace it
My financial situation:
I am a good candidate for this loan because? Income has gone up quite a bit in the past two years. Two Prosper loans: one fully paid and the other will be paid off in February, 2011.? Paid on time and I am a GREAT risk for you to make money on so PLEASE invest in me!

Monthly net income: $ 8,000+????

Monthly expenses: $
??Housing: $ 705????????
??Insurance: $ 416
??Car expenses: $?0
??Utilities: $ 225
??Phone, cable, internet: $ 134
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 428
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485410
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 13 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,040Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: generosity-channel3 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
Capital for Advertising
Purpose of loan:
This loan will be used to do a marketing campaign for my pizza restaurant.

My financial situation:
I am a good candidate for this loan because my credit score is good. I value my credit score and wish to keep it in good standing. I also have respect for the person loaning the money and feel that it is very important to repay debts. I own a small business and have been able to show year after year increases in sales during a slowing economy.

Monthly net income: $?4,000.00

Monthly expenses: $
??Housing: $ 1210.98
??Insurance: $ 100.00
??Car expenses: $ 300.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 458895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.57% - 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: Jun-1995 Debt/Income ratio: 22%
Credit score: 600-619 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 41 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,160Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: juniorschick 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: 35 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
600-619 (Nov-2007)
540-559 (Sep-2007)
 
Principal balance: $37.56 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Last minute wedding expenses
I only need $600 to finish paying off our portion of the expenses for our wedding. This loan will be paid in full by March 1st once we have received gifts of money from family and friends along with at least $5000 of the $8000 listed as debt on my credit report. I have paid my current prosper loan on time every month and it will be paid in full this December. I also received a raise last month and will receive another raise come Feb. This money will be the balance due for the ceremony and flowers.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481549
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $169.43
 
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-1992 Debt/Income ratio: 29%
Credit score: 760-779 (Oct-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:13y 8m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,626Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: alleylou Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 760-779 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
780-799 (May-2010)
780-799 (Oct-2009)
780-799 (Mar-2008)
 
Principal balance: $7,036.94 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
paying off high interest cards
Trying to consolidate bills and pay off the higher interest cards.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $269.53
 
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): 2 First credit line: Nov-1994 Debt/Income ratio: 41%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 15 / 11Length of status:0y 6m
Amount delinquent: $1,401 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,286Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: sportfury Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 43 ( 78% ) 660-679 (Latest)
Principal borrowed: $18,000.00< 31 days late: 8 ( 15% )  
700-719 (Apr-2008)
720-739 (Sep-2007)
 
Principal balance: $20.30 31+ days late: 4 ( 7% )
Total payments billed: 55  
Description
Need 2nd Car / Pay off Credit Cards
Purpose of loan:
I have two needs for this loan.? The first is to provide a down payment for a second (used) car.? Our oldest child will be starting school next year plus our youngest will be starting preschool next year.? Right now we depend on family to get our oldest to preschool.? We need?a second vehicle - especially since baby #3 is on the way!? Second, I want to consolidate / pay off a few of my credit cards (that I am only making minimum payments on).? The first is JCPenney (BAL ~$4100 / 29.99% / $205 min payment).? Second is GE Money (BAL ~$1100 / 22.98% / $50 min payment).? Third is Sears (BAL ~$850 / 29.99% / $40 min payment).? Paying those off will leave me about $1000 down payment on a used vehicle - and a cheaper monthly payment of those combined accounts by about $40.

My financial situation:
While not a perfect record, I have successfully completed 2 Prosper loans in the past year.? I was late on a few payments on my first loan due to the fact that I changed jobs this year and my pay period changed from weekly to every other week.? I never seemed to be able to catch up toward the end of the loan.? I did make larger payments to help pay off this loan early. My second loan was a little bit more problematic.? With my old job, I was barely making enough money to make ends meet.? That loan was nearly $400 a month, so I sold one of my classic cars and paid off the debt about a year ago.? I also have approximately $8000 in a 401k.? I don't want to touch that money unless absolutely necessary.

As for the 2 accounts that are 'now delinquint'.? I just reviewed my credit report and only found 1 item.? It was a bill that I had set up on auto payments for 1 year and that was a year ago.? I thought the payments were done in November, but they were done in October.? My payment date was apparely only 4 days shy of being 30 days late, so when I realized that bill hadn't been paid, I was already too late.? I am in the process of disputing this record with that particular account holder.? That bill was only $117.? I do not have a 2nd delinquincy at all, let alone one that is valued at over $1200.

To summarize, I have NEVER defaulted on a loan.? I ALWAYS pay what I owe.

Monthly net income: $5,600.00.? My company also provides a bonus each?year up to 25% of my annual salary in December.? Plus, since?becoming a home?owner?7 years ago, I have always received a?tax refund in February.? My wife also brings home about $500 a month with her part time job - along with extra bonuses around the holidays.

Monthly expenses: $ 5117
??Housing: $ 2117 (includes insurance and taxes)
??Insurance: $?90
??Car expenses: $ 160?
??Utilities: $?180
??Phone, cable, internet: $ 170
??Food, entertainment: $?150
??Clothing, household expenses $?100
??Credit cards and other loans: $ 2000
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-2001 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 7 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $410Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: dollar-vault6 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
Pay bills while going to school.
Purpose of loan:
This loan will be used to pay my bills while I go back to school.? I started college nine years ago, but never finished.? I recently decided to finish what I started because I wanted more out of myself and life.? I had a good job, but it wasn't what I wanted to do for the rest of my life.? Unfortunately the company I worked for went under leaving me little options.

My financial situation:
I am a good candidate for this loan because, while I have made some mistakes in the past I have held a job with the same company for seven years, with a constant and steady rate of promotions, that unfortunately went under.

Monthly net income: $ 2000.00

Monthly expenses: $
??Housing: $ 570.00
??Insurance: $ 90.00
??Car expenses: $ 275.00
??Utilities: $ 125.00
??Phone, cable, internet: $ 190.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 20.00
??Other expenses: $ 460.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484279
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $269.53
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 19.21%  
Lender servicing fee: 1.00% Estimated return: -2.64%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-1990 Debt/Income ratio: Not calculated
Credit score: 800-819 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 34 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,721Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: balanced-contract4 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
Getting my finances back on track
Purpose of loan:
This loan will be used to? get my finances back on track and save for my daughter's future

My financial situation:
I am a good candidate for this loan because? I am a highly responsible and reliable professional who has fallen into a short rough patch.? I am making every effort to fix these issues.

Monthly net income: $ 11,000

Monthly expenses: $
??Housing: $ 3,560
??Insurance: $ 250
??Car expenses: $?300
??Utilities: $ 800
??Phone, cable, internet: $ 200
??Food, entertainment: $?700
??Clothing, household expenses $ 150
??Credit cards and other loans: $?1800
??Other expenses: $ 800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484429
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1991 Debt/Income ratio: 27%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 4Employment status:Other
Now delinquent: 1 Current / open credit lines: 17 / 18Length of status:7y 2m
Amount delinquent: $3,950 Total credit lines: 38Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,386 
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: byrdy Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate and save $100 a month
I will be using this loan to consolidate three of my credit cards which I am currently paying $200 a month on.?

This loan will save me $100 a month right away.

I live in a house with two other roommates and our arrangement is that they pay the mortgage and I pay the utilities.? Our combined income is around $85,000 annually.? I personally make $2500 a month and am only responsible for $500 in bills.?

I would love to be able to pay off these cards and destroy them because it seems as though there is no end to the payments.? I know with this loan there will be an end and oh what a feeling that will be.

As you can tell I pay all my bills and on time.? The one that shows late is because we are in the process of re-financing and in the middle of closing.

If you have any questions please ask for I will be more than happy to answer any for you.

Thanks for you time.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484717
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 37.54%  
Lender servicing fee: 1.00% Estimated return: -20.54%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jan-1994 Debt/Income ratio: 39%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:0y 11m
Amount delinquent: $660 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,392Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: orderly-market Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:?I would like to clear up the small delinquency?that my?ex husband left me with.? I am a single mother of 3 beautiful girls, who no longer see their father.? I am working 2 jobs as well as?starting my own business.? My ex lost his job and didn't pay me support for one year but now pays $2000 per month.? I do not want to use my childrens college funds and I have always had excellent credit until recently.? I do?not have any family left to ask for support as I was adopted. I am hoping that someone will be able to help?me. I?will be successful in the business I am starting but clearing up this personal?glitch in my credit is first and foremost.? I hope someone will be willing to take a chance and help me and my girls. Thank you for your help and understanding.


My financial situation:
I am a good candidate for this loan because? I have always had excellent credit until just recently and would like to fix the problem immediately so I can focus on the business I have started called Natural Beauty and Wellness. ?I have started this business?within The Natural Health Group, where I am a Medical Assistant. I am trying to help people become healthy and take control of their lives both internally and externally.? I am a Natural Health Consultant and a Certified Fitness and Nutritionist and finally have the opportunity to help others feel good about themselves?with my knowledge. If someone would be willing to loan a larger amount I would be able to use the funds to become a cerified trainer using a program from Metagenics, which personalizes the diet and exercise program a client needs even further.

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 484825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2006 Debt/Income ratio: Not calculated
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 0Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 3 Occupation: Student - College F...
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: dime-museum8 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Putting myself through college!
Purpose of loan: To help me get through the rest of the year as a college student.
This loan will be used to?Pay for college tuition and housing expenses

My financial situation: Is not cutting it in this economy
I am a good candidate for this loan because? As a full time nursing student I am already working 2 part time jobs and I am putting myself through school. I am 19 years old and my parents dont have the funding to help and I am getting minimal funding from my FAFSA. I am able to pay back as much monthly as possible. This was my last resort because the bank wouldn't give me a loan with a cosigner and my parents credit is terrible.. I'm trying my best to provide for myself but it's hard and I just hope that someone out there is able to help me!

Monthly net income: $ 1150/month I have 2 part time jobs and I am a full time nursing student

Monthly expenses: $
??Housing: $659.00
??Insurance: $53.00
??Car expenses: $100.00
??Utilities: $35.00
??Phone, cable, internet: $N/A
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $0.00
??Other expenses: $6000 for school tuition
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1990 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:0y 3m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,000Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: red-consummate-wampum Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
pay off credit cards
My financial situation:
I am a good candidate for this loan because?
I have a good credit score
Monthly net income: $
$2400
Monthly expenses: $
??Housing: $ 628
??Insurance: $ 160
??Car expenses: $?125
??Utilities: $ 0
??Phone, cable, internet: $ 99
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 825
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,400.00 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: $438.38
 
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: Dec-2002 Debt/Income ratio: 9%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,261Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: first-euro-rapture 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
Credit Card Consolidation
Purpose of loan:
I have two credit cards that I would like to consolidate and pay off. I just started a high paying job, my credit is very good, and financial stability is looking up in a major way. I'd like to take the benefit of consolidation so that I can accumulate a financial base while not being bogged down by high-rate obligation.

My financial situation:
Very stable. I recently got a roommate, so that my rent ($1400) has been cut in half. After all of my expenses and obligations, I have a surplus $1,000 in my monthly budget.

I am a good candidate for this loan because:
I can benefit from consolidation while providing a pretty safe investment vehicle for lenders. I am also very responsive and ready to answer your questions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-2000 Debt/Income ratio: 29%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 48 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $153,683Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: gain-injector8 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
My personal loan
Purpose of loan:
This loan will be used to CONSOLIDATE SOME DEBTS

My financial situation:
I am a good candidate for this loan because I HAVE PAY AL MY DEBTS ON TIME

Monthly net income: $ 11000

Monthly expenses: $ 7000
??Housing: $ 2200
??Insurance: $
??Car expenses: $ 1000
??Utilities: $ 500
??Phone, cable, internet: $ 140
??Food, entertainment: $ 1000
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 2000
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 20.40% Starting borrower rate/APR: 21.40% / 24.82% Starting monthly payment: $568.21
 
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: Aug-1994 Debt/Income ratio: 23%
Credit score: 800-819 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,156Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: compassion-conservationist9 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
**Help Fund Our Daughters Future**
Purpose of loan: This loan will be used to?Fund the purchase of an existing business that is currently?turning a?very strong profit. The?diner has been open since 1995, and turned a profit every year for the past 12yrs in a row.?We are?looking to purchase this?diner as the current owners are?retiring due to very poor health.?The current net?profit?is 80k per year and they are only open 42hrs per week, plus limited catering. We plan to expand the hours a little more?and expand the catering.?Our plans are?to take the branding to a whole new level in the wonderful?suburb of?Atlanta, GA. Our projections right now are to turn a net profit the first year in the 85-90k range, and that's having all of the business debt being paid off in 3yrs or less.


I am a good candidate for this loan because?My husband and I are very responsible with our money! I am a senior accounting?manager for AT&T. My husband is currently an A/P analyst and will be running this?diner while I continue working. We both have associate degrees in accounting with GPA's above 3.5.

Monthly net income:
$?? Monthly expenses:
$ ??Housing: $ 2325
$???Car expenses: 675
$ ??Utilities: 400
$ ??Phone, cable, internet: 185
$ ??Food, entertainment: 400
$ ??Clothing, household expenses: 100
$ ??Credit cards and other loans: 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485063
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.00% / 39.75% Starting monthly payment: $183.22
 
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: Aug-1996 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: 10 / 10Length of status:14y 6m
Amount delinquent: $0 Total credit lines: 38 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,865Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: brightest-sunny-diversification 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
Funding a Futures Account
Purpose of loan:
This loan will be used to?fund?my?futures brokerage account.? I have a trading system that averages $200 - 250 profit per week on a $4000 account.? I currently trade it on a simulator and have traded it live as recent as August where it returned $337 in one week in my actual account.?? I?have been a remodeling contractor since 1996 and?trade this strategy in the evenings?and early mornings so it does not interfere with my business. ?

My financial situation:
I am a good candidate for this loan because I always pay my pills on time.? My credit score is lower because I was forced to file a chapter 7 back in march of 2006 when credit card companies raised minimum payments and my wife only made $1333 a month income.

Monthly net income: $ 2500 and my wife's income is an additional $2640

Monthly expenses: $ 4337
??Housing: $ 1132
??Insurance: $ 150
??Car expenses: $ 1040
??Utilities: $ 200
??Phone, cable, internet: $ 300
??Food, entertainment: $?600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 615
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 4 First credit line: Nov-2001 Debt/Income ratio: 21%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 17Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 30 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,041Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: gold-atlantis3 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
Christmas airfare 1wk before payday
Purpose of loan:
This loan will be used to buy airfare for my family (of 6) to be with extended family over the Christmas holiday. We need to buy the tickets this week before the prices go up and I don't get paid until next week.

My financial situation:
I am a good candidate for this loan because I will pay the loan off in full before Dec 15 2010. I would wait until then to buy the airfare, but the seats will likely be $1200 a piece then instead of $400 a piece. Family of 6.

Monthly net income: $14,000

Monthly expenses: $7,070
??Housing: $2950
??Insurance: $900
??Car expenses: $600
??Utilities: $200
??Phone, cable, internet: $120
??Food, entertainment: $600
??Clothing, household expenses $300
??Credit cards and other loans: $1200
??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $318.39
 
Auction yield range: 16.57% - 29.00% Estimated loss impact: 38.29%  
Lender servicing fee: 1.00% Estimated return: -9.29%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:3y 5m
Amount delinquent: $268 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $590Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: responsible-dinero8 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
Pay back my parents!
Purpose of loan:
My parents paid a $9,000 expense so we?d qualify for a (same price as rent) home loan. We?ve been repaying them $500 a month while waiting for the homebuyer tax credit to come. But the credit we received was much smaller. I want to get a loan and even pay this huge interest rate so they can have their money back now.??

My financial situation:
Even during this economy our profits have increased each year (including 2010).

I?m a good candidate for this loan because I?m used to making $500 payments, so $300? won?t be a problem. I also care about my credit score, so I?ll make sure this loan is always paid!

Reasons for HR rating:???? Self-Employed, but business is steady and growing.Old lien/ but paid off. Incorrect $268 late- will age off next month. Real accounts are in good standing. We charge up our credit card for the business, but pay it off every month. Inquiry was for utility company/ moved.Monthly net income: $ 4167.00 avg.Monthly expenses: $ 3169.00
? Housing: $ 1,377.00
? Insurance: $ 142.00
? Car expenses: $ 600.00 (gas/no payment)
? Utilities: $ 250.00
? Phone, cable, internet: $ 150.00
? Food, entertainment: $ 500.00
? Clothing, household expenses $ 40.00
? Credit cards and other loans: $ 110.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485123
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
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: 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-1995 Debt/Income ratio: 14%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,578Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 103%  
   Homeownership: No  
Screen name: friendly-commerce6 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
Paying off my credit card
Purpose of loan:
This loan will be used to pay off a higher rate credit card.
My financial situation:
I am a good candidate for this loan because I have always paid?at least the minimum amount due on my accounts and have made the payments on time.?

Monthly net income: $ 2332

Monthly expenses: $ 2086
??Housing: $ 835
??Insurance: $ 13
??Car expenses: $ 168
??Utilities: $ 257
??Phone, cable, internet: $ 58
??Food, entertainment: $ 300
??Clothing, household expenses $?250
??Credit cards and other loans: $ 70
??Other expenses: $ 135
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485129
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $309.21
 
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): 6 First credit line: Jun-1991 Debt/Income ratio: 57%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:4y 10m
Amount delinquent: $9,466 Total credit lines: 25 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,832Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: kenofmetairie Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
740-759 (Nov-2009)
780-799 (Mar-2008)
 
Principal balance: $0.19 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
" Revamping my Home living "
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 485135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1990 Debt/Income ratio: 25%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,919Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: spartan351 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from 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
Purpose of loan:
This loan will be used to? pay off high interest credit cards.

My financial situation:
I am a good candidate for this loan because? I am committed to getting out of debt, but it is impossible to make much progress with the interest rates being charged.? The cards are no longer being used.? I pay on the 2 cards every month without fail.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485153
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
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-1993 Debt/Income ratio: 33%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 18 / 17Length of status:23y 4m
Amount delinquent: $196 Total credit lines: 31 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,191Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: blue-pragmatic-ore Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Catching up on some bills
Purpose of loan:
This loan will be used to? catch up on some bills.

My financial situation:
I am a good candidate for this loan because? due to?a paycheck error of over $1300, I have fallen behind?on a bill.? They have not yet fixed the oversight on my paycheck therefore I am trying?to get a loan to pay it down so I won't have to wait until the paycheck error has been corrected.

Monthly net income: $ 4700

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 87
??Car expenses: $ 480
??Utilities: $ 240
??Phone, cable, internet: $ 130
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 843
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: 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: $254.40
 
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: Sep-1996 Debt/Income ratio: 21%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 45 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,537Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: balance-pal 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 780-799 (Latest)
Principal borrowed: $20,000.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2010)
 
Principal balance: $16,622.97 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Financial control
Purpose of loan:
This loan will be used to consolidate debt, primarily pay off a title held with an ex- so I can transfer the title solely to myself.

My financial situation:is good, with steady employment plus rental income of 2k/month
I am a good candidate for this loan because this is my second loan through prosper with no history of late payments or defaults of any kind. As an overall plan, I have several small loans that are finishing up within a year. I will use the money that usually goes toward those loans to pay off whatever loan interest is the highest. In the meantime, I am using prosper to bring my CC balances down to a manageable interest rate. My mortgage payments are on the higher end since I chose to go with 10 year loans on my primary and rental properties, but these are all I plan to have payment-wise in 3 years. From my primary employment (physical therapist) I clear approximately $2300 every 2 weeks. I also work some per diem that varies from $100-1000 per month. I have a 4 unit apartment rental that brings in an additional $2000 per month. I have 2 mortgage payments of $1200 and $1140. Credit card minimum payments of $1400 including previous prosper loan. Extra money left over from living expenses go towards highest interest rate cards. Please ask any questions you might have. Thank you!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485173
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.51% Starting monthly payment: $63.27
 
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: Mar-2002 Debt/Income ratio: 18%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 25 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,770Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: joyful-rupee3 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
Debt Consolidation
Purpose of loan:
I have a couple small outstanding debts with family members I would like to take care of. I planned on it after tax refund time, but would like for them to have the money before Christmas, and then I will pay this loan off with tax refund money.

My financial situation:
I pay my bills on time every month. Just not a lot of extra cash right now. My husband is going to college full time, so he gets financial aid in January also.

Monthly net income: $ With my income and my husbands GI Bill payment, it is $3800.00

Monthly expenses: $
??Housing: $ 950.00
??Insurance: $ 190.00
??Car expenses: $ 200.00
??Utilities: $ 180.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 425.00
??Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2006 Debt/Income ratio: 24%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,446Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: worldly-balance939 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Life
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 485183
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 7 First credit line: Feb-1980 Debt/Income ratio: 22%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 15Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,229Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: direct-platinum8 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,300.00< 31 days late: 0 ( 0% )  
720-739 (Sep-2010)
740-759 (Nov-2009)
 
Principal balance: $4,015.87 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
downpayment for my home
Purpose of loan:
This loan will be used to? Consolidate bills and use this for a downpayment on a Townhome that is in my family and get off of the rental treadmill

My financial situation:
I am a good candidate for this loan because? I have a current loan with Prosper that has a good history, I am just getting back to full time work because in July I had a very serious infection and was in the hospital for 8 days, 2 in intensive care, followed by 3 months of treatment and physical therapy, which has been part of the problem, my salary during this period was 60% for short term disability and now finally I am back to 100% pay. I am a top collector at work and am always recognized as such, work very hard at my job and would really appreciate this loan to help me with my purchase.

Monthly net income: $3100expenses: $??Housing: $840
??Insurance: $ 50
??Car expenses: $250
??Utilities: $150
??Phone, cable, internet: $
??Food, entertainment: $175
??Clothing, household expenses $125
??Credit cards and other loans: $ 450
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485189
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $259.62
 
Auction yield range: 5.57% - 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: Jul-1994 Debt/Income ratio: Not calculated
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 10 / 5Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 17Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,474 
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: favorable-revenue5 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Green Business
Purpose of loan:
This loan will be used for the? production of consistently high quality microgreens such as arugula, amaranth, churd, ruby beet, broccoli, pac choi, purple kohlrabi, purple raddish, upland crest, mizuna, tat soi, white kohlrabi and red cabbage for a full array of flavors and color.

My financial situation:
I am a good candidate for this loan because?
I have researched it, have clients and can give a ROI in the first year.
Paying of balances on existing loans this month.

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 160
??Utilities: $ 0
??Phone, cable, internet: $ 114
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485191
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $147.62
 
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: Jun-1989 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,394Stated income:$0
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: lovesColo 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
Inventory to help expand business.
Purpose of loan:
This loan will be used to?
Buy natural gold from our supplier in Alaska.? We have an eBay store, Kotas Gold and Collectables, (User name:? 19reese69).? We buy at below spot price with a good profit margine.? PLEASE visit my eBay store to see what I sell.? By bidding on my loan application, I
My financial situation:
I am a good candidate for this loan because??
?I have never missed any loan payments in 20 plus years of establishing my credit history.?IMPORTANT:? My husbands monthly salary wasn't included in?home financial statements?to Prosper, as?I signed up on my own.? His monthly?net is between?3.5k?and 4k a month.? We both?work 45+ hours a week.
Monthly net income: $ 2,500.00 plus bonuses that vary each quarter.? Husbands is?$3,500.00 minimum per month, not included in Prosper rating.? Income from our eBay store also?not included.

Monthly expenses: $
??Housing: $ 1,200
??Insurance: AUTO: $ 48.00 for 10 months
??Car expenses: $ 0??All vehicles paid off.
??Utilities: $ 80.00
??Phone, cable, internet: $ 98.00?
??Food, entertainment: $ 250.00 max on food only.
??Clothing, household expenses $ 50.00 max.
??Credit cards and other loans: $ 200.00
??Other expenses: $ 120.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485201
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $288.60
 
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: Aug-2001 Debt/Income ratio: 29%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 8Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,613Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: orbital-finance5 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2010)
 
Principal balance: $4,133.57 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Sudent Loans Consolidation
Purpose of loan:
This loan will be used to consolidate my student loans and a high limit credit card. I have one other Prosper loan and am a reliable borrower with no missed or late payments on all accounts.

My financial situation:
I am a good candidate for this loan because I am in control of my?debt repayment?and this will allow me to consildate my last few accounts to begin paying down my debt.

Monthly net income: $ 5,400

Thanks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485205
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 30.97% Starting monthly payment: $39.76
 
Auction yield range: 16.57% - 24.00% Estimated loss impact: 37.98%  
Lender servicing fee: 1.00% Estimated return: -13.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: May-1993 Debt/Income ratio: 20%
Credit score: 600-619 (Nov-2010) Inquiries last 6m: 14Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 13Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 73 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,965Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: Lernis Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 600-619 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
640-659 (May-2010)
580-599 (Sep-2008)
620-639 (Mar-2008)
620-639 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Pay day loan pay off
Purpose of loan:This loan will be used to pay off payday loans

My financial situation:I am a good candidate for this loan because my previous prosper loan is?paid in full!!!

This is my second attempt at getting a loan to pay off my payday loan. Let's try and raise the interest 10%.?? I can assure that the only thing you'll be disappointed in with me is an early payoff. This loan will be satisfied by next April or March.? I need the quick funds to get rid of a payday loan that kills me monthly in? interest.? My last attempt was 76% satisfied.?? Look at my record....yes credit balance is high....but everything I have has always been in good standing.....Look at my previous prosper loan......This is not a risk....it's easy interest.? Thank you to those that tried to satisfy the loan last time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485207
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1991 Debt/Income ratio: 22%
Credit score: 680-699 (Oct-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 14 / 13Length of status:28y 7m
Amount delinquent: $4,213 Total credit lines: 39 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,073Stated income:$75,000-$99,999
Delinquencies in last 7y: 30 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: JW-From-SoCal Borrower's state: California Borrower's group: Independents_UNITE!!!
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Refinance Cash Call and Cards
Purpose of loan:
This loan will be used to refinace a loan from "Cash Call", which has a ridiculous 59 % interest rate. Also want to pay off some credit card debt as well.
My financial situation:
I am a good candidate for this loan because everything is up to date and I am able to live within my means. I can pay my bills, however, I would like a little more "elbow room" in case of any of life's unexpected surprises or emergencies.?The credit info shows 3 delinquencies. 2 of the 3 are taken care of. The 3rd is being paid monthly. Again, everything is up to date.

Monthly net income:?4900

Monthly expenses: $
??Housing: $ 2100
??Insurance: $ 150
??Car expenses: $ 720
??Utilities: $ 250?
??Phone, cable, internet: $ 125?
??Food, entertainment: $ 400?
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 600?
??Other expenses: $? 465
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485209
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-2001 Debt/Income ratio: 3%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 3Length of status:6y 4m
Amount delinquent: $765 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: community-galleon 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
My personal loan for my business
Purpose of loan:
I will be using this loan to finance my car and make improvements to my day care to serve my clients better.

My financial situation:
I am a good candidate for this loan because I have no debt, stable income and predictable expenses. My credit profile shows a delinquency of $657, in reality, this is due to an invalid charge that is being disputed and has not yet been rescinded.
I do not mind a high interest rate as I am hoping to payback this loan mid 2011 with money that I am owed.

Monthly net income: $6,900

Monthly expenses: $3,055
??Housing: $1,650
??Insurance: $120
??Car expenses: $270
??Utilities: $65
??Phone, cable, internet: $100
??Food, entertainment: $600
??Clothing, household expenses $250
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.00% Starting borrower rate/APR: 26.00% / 29.52% Starting monthly payment: $120.87
 
Auction yield range: 13.57% - 25.00% Estimated loss impact: 15.33%  
Lender servicing fee: 1.00% Estimated return: 9.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-2008 Debt/Income ratio: Not calculated
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $56Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: SLJ3 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
Cover Bills For Two Months
Purpose of loan:
Help my friend cover her bills for a month. She was recently in between jobs and now she needs funds to cover her bills until she gets her first two or three checks. In the highly unlikely event that she does not have the monthly payment, I am able to cover the payment.

My financial situation:
I went to college (flight school) for one year but could not return because banks are not lending and my school is 55k. Currently I just work full time and save money until I can get back into school. I live with my parents and I only have one bill which is from a school loan. The bill is only $230 a month so I have absolutely no problem paying it since I make $1400 a month. I have been current with all payments as well as both of my credit card balances of which I pay off in full each month.

Monthly net income: $1400 ????

Monthly expenses: $
??Housing: $ 0 ????
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $
??Clothing, household expenses $ 40 ????
??Credit cards and other loans: $ 280
??Other expenses: $ 15
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485223
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1995 Debt/Income ratio: 15%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 3Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 19 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,495Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: self-reliant-exchange9 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Moving Expenses
Purpose of loan:
This loan will be used to pay off moving expenses.? I was transferred with my company for a better career opportunity.? They did not provide a moving package, but we could not pass up on the opportunity.? I need to pay these moving expenses, while I build my territory and start bringing in more money through my commissions.? Meanwhile, my wife has a part-time job to help (and she is also raising our three young children).? We just need some starter funds to help get us on our feet in our new home.

My financial situation:
I am a good candidate for this loan because I have an annual salary + commission.?? Just need a little extra cash to get settled in our new home and cover all the expenses associated with move.? We moved from Florida and own a home a home there.? We were not able to sell, because of the unfortunate situation in the FL housing market.? But, we have kept the home and our renting it out in order to help with the mortgage.? Due to the house being "under water," we are unable to get a home equity loan.? And, therefore need a personal loan.

Monthly net income: $ Salary:? $5000/month + Commission:? Anywhere between $1700 - $4900/month

Monthly expenses: $ $7130/month
??Housing: $ 3840
??Insurance: $ 360
??Car expenses: $ 400
??Utilities: $ 320
??Phone, cable, internet: $ 95
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1765
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $196.29
 
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: Dec-1996 Debt/Income ratio: 13%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 9 Occupation: Car Dealer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,546Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: top-delectable-return 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
building new outside deck for wife
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2002 Debt/Income ratio: 14%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,729Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: babbles9 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 31 ( 100% ) 720-739 (Latest)
Principal borrowed: $6,100.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2008)
 
Principal balance: $967.57 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Fund an Ice Cream business
Purpose of loan:
This loan will be used to fund an Ice Cream business that I intend to start with my business partner.

My financial situation:is pretty good and I will be able to repay the loan on a timely basis.
I am a good candidate for this loan because your money is safe and my history proves it. Thanks for looking.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485231
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 3.25%  
   
 
Starting lender yield: 6.00% Starting borrower rate/APR: 7.00% / 8.29% Starting monthly payment: $297.02
 
Auction yield range: 4.06% - 6.00% Estimated loss impact: 3.26%  
Lender servicing fee: 1.00% Estimated return: 2.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jun-1994 Debt/Income ratio: 5%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,605Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: entertaining-deal5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
740-759 (Apr-2010)
 
Principal balance: $1,271.74 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Auto loan
Purpose of loan:
This loan will be used to purchase a car.

My financial situation:
I am a good candidate for this loan because I have steady, high income working in the same industry for the past twelve years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485237
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1985 Debt/Income ratio: 20%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:18y 9m
Amount delinquent: $0 Total credit lines: 46 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,887Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: market-dominator1 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Son's College Tution
Purpose of loan:
I am appling for this loan to pay my son college tuition. He is in his second year at Spring Arbor University. He received a student loan but it was not enough to cover his final tuition bill. My son works part time in the school kitchen. I am trying to help him became?he will be the ?first generation family member with a Bachelor Degree. I work everyday, my husband (my son father) is not able to work he was diagnose with LMC CANCER. I am grateful for my job because I can obtain overtime.
My financial situation: I am?able to make payments but the deadline is coming to soon. I have a least vehicle that?I will be turning in?Feburary.?That is 500.00 a month?I will not have to pay. It was my?husband?vehicle but he no longer drives.
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 485239
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-2001 Debt/Income ratio: 29%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,071Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: indomitable-exchange44 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
Consolidate debt at lower interest.
Purpose of loan:
This loan will be used to refinance credit cards and a personal loan.

My financial situation:
I am a good candidate for this loan because I have stable income and vow to pay my debts on time. I live in a $100k+ household and have additional financial support when needed. My prosper score is low due to a lack of extended credit use, however, I have built a 720+ credit score.

Monthly net income: $ 1620

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 157
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 250
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-2000 Debt/Income ratio: 23%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:22y 3m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,219Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: montana3 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
600-619 (May-2010)
600-619 (Jun-2008)
 
Principal balance: $1,168.11 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Future planning
Purpose of loan:
This loan will be used to?spend down higher interest?financial obligations. ?

My financial situation:
I am a good candidate for this loan because?of my repayment history. Never late on payments of any type. Secure occupation.

Monthly net income: $ 5500.00?

Monthly expenses: $
??Housing: $ 1400.00
??Insurance: $ 133.00
??Car expenses: $ 80.00
??Utilities: $ 145.00 (in winter)
??Phone, cable, internet: $?188.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 1200.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485243
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-1995 Debt/Income ratio: 57%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 6Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 26 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,103Stated income:$1-$24,999
Delinquencies in last 7y: 25 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: jkronewitter1385 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Going back to Community College
Purpose of loan:
This loan will be used to help pay for room and board at Jackson Community College. I am trying to go back to school after a few years. I went when I first got out of High School, but I don't think I was in the right mindset for it. I goofed off and didn't make it very far. I am much older and wiser now. I have a family to provide for and want to make something of myself instead of skating by on low rate jobs. I am going to get my associates in Accounting and then my Bachelors and hopefully my Masters as well. But I need a stepping stone. I need a way to get the ball rolling. And this will do just that. I hope this will become a reality. I have spent my whole life just skating by. I want to make something of myself, not to show the world I can, but to prove it to myself that I am worth it, that I am worth more.

My financial situation:
I am a good candidate for this loan because I am in a position in my job that I love, but I want more. I am financially capalbe these days, not so much in my youth, but over the years I have taken my finances very seriously and although they don't look like a bright shiny new penny, they are looking up. I am more than capable of making payments on this and any other obligations I have. I am a very high achiever and will do whatever it takes to make my way.

Monthly net income: $ 1280

Monthly expenses: $
??Housing: $350
??Insurance: $50
??Car expenses: $50
??Utilities: $0 (included in rent)
??Phone, cable, internet: $ 0 (included in rent)
??Food, entertainment: $100
??Clothing, household expenses $0 (very low maintenance)
??Credit cards and other loans: $ 250
??Other expenses: $ This loan $230
That amounts to $1030, so I get to save $250 per month for odds and ends and still be okay. :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.25% Starting borrower rate/APR: 12.25% / 15.49% Starting monthly payment: $66.67
 
Auction yield range: 10.57% - 11.25% Estimated loss impact: 10.04%  
Lender servicing fee: 1.00% Estimated return: 1.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2003 Debt/Income ratio: 10%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:2y 2m
Amount delinquent: $600 Total credit lines: 11 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $879Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: PDXHawkeye 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: 1 / 1 On-time: 31 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
600-619 (Mar-2008)
 
Principal balance: $674.48 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Debt Consolidation to Fix Credit
Purpose of loan:
This loan will be used to consolidate my debt in order to improve my credit score.

My financial situation:
I am a good candidate for this loan because I have a stable income & love the work I do.

Monthly net income: $1915

Monthly expenses: $1145
??Housing: $450
??Insurance: $100
??Car expenses: $150
??Utilities: $0
??Phone, cable, internet: $45
??Food, entertainment: $150
??Clothing, household expenses $50
??Credit cards and other loans: $150
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485253
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Aug-1997 Debt/Income ratio: 11%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:0y 9m
Amount delinquent: $12,588 Total credit lines: 18 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,292Stated income:$100,000+
Delinquencies in last 7y: 13 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: spdrlady 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
Home Enhancements
Purpose of loan:
This loan will be used to? purchase window tint?for my home?to save on my electricity bill.

My financial situation:
I am a good candidate for this loan because?my overall debt is low.? My income is above $100k.

Monthly net income: $ 9200.00

Monthly expenses: $
??Housing: $ 3051.00
??Insurance: $ 105.00
??Car expenses: $ 520.00
? Utilities: $ 300.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485261
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1983 Debt/Income ratio: Not calculated
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 3Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 9 / 8Length of status:17y 10m
Amount delinquent: $86 Total credit lines: 15Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,056 
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: transaction-arch4 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buying my granddaughter a car
Purpose of loan:
The purpose of me obtaining this loan is to buy my granddaughter?a car for her college graduation

My financial situation:
I am a good candidate for this loan because as one can see from my credit profile, I am very disiplined when it comes to finances and know how to budget my finances wisely.

Monthly net income: $
3000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 50
??Car expenses: $0
??Utilities: $ 150
??Phone, cable, internet: $30
??Food, entertainment: $ 20
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485263
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1964 Debt/Income ratio: Not calculated
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 17 / 15Length of status:10y 10m
Amount delinquent: $84 Total credit lines: 42 Occupation: Clergy
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,998Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: a-value-renaissance 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
Adding on to home
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 485265
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2000 Debt/Income ratio: Not calculated
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 18 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $465Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: investment-hickory 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
Montana Cabin
Hi-

I am looking for a loan to use as part of a down payment on a cabin I am purchasing in Montana. I am from Montana and my parents own the cabin next door for 25 years. The cabin is a great deal for that area of Montana. It has electricity and plumbing. I have saved 5,000 and am looking to put a total of 10,000 down on this cabin.

I am a college graduate with a Bachelors of Science and I run a athletic design store. I am getting married in April to my boyfriend of 7 years. He has a Masters in Industrial Hygiene and works as a Safety Director at a mine. We make enough money to easily make the loan payments. We do not have children yet and have a small amount of bills.

My credit score is showing a prosper score of 2. This is due to some credit card debt I accumulated through college and a few late payments on my student loans. At this time I have paid off all of my credit cards and have no credit card debt at all. I have not been late on any bill payments in the last 2 years.

I really appreciate your time!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485273
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $169.43
 
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: Mar-1989 Debt/Income ratio: 30%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,800Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: silver-saver7 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Oct-2009)
 
Principal balance: $3,527.73 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Looking Forward to a New Year
Purpose of loan:
This loan will be used to consolidate some personal loans.

My financial situation:
I am a good candidate for this loan because I am a full time employee and a responsible borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485279
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $72.30
 
Auction yield range: 16.57% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1983 Debt/Income ratio: 20%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:18y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,957Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: exuberant-money3 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
CHRISTMAS MONEY
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? STABLE JOB /INCOME

Monthly net income: $ 5500

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 485283
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,800.00 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: $189.75
 
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: Nov-2000 Debt/Income ratio: 22%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 9 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,599Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: subtle-trade6 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
On the road to freedom...card-free!
Purpose of loan:
I made a real beginner mistake and paid for my wedding this summer mostly with my credit cards, both of which have fairly high rates because of late payments years ago. Now I'm spending as much paying CC bills each month as I am on housing. If I can get a loan to pay off the cards, the lower monthly payment will give me the breathing room I need to start saving again.

My financial situation:
I am a good candidate for this loan because I have a stable, relatively high-paying job. I have never missed a payment on anything, and I'm not planning to start! I have good credit, as you can see. Now that I am married, my husband's income will help us cover incidentals, and I can concentrate on getting out of debt and putting money away so this doesn't happen again. This loan would be the leg-up I need to start on the road to owning a home someday.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485293
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $144.61
 
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): 2 First credit line: May-1991 Debt/Income ratio: 147%
Credit score: 660-679 (Oct-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:17y 9m
Amount delinquent: $0 Total credit lines: 54 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $2,081Stated income:$1-$24,999
Delinquencies in last 7y: 19 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: worth-drummer5 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay dr bill
Purpose of loan:
This loan will be used to?pay dr bill?

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

Monthly net income: $
85000.00 a year
Monthly expenses: $
??Housing: $ 1387.00
??Insurance: $ 300.00
??Car expenses: $ 560.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 100.00
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485297
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $188.38
 
Auction yield range: 16.57% - 20.00% Estimated loss impact: 37.73%  
Lender servicing fee: 1.00% Estimated return: -17.73%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1998 Debt/Income ratio: 19%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 6 Current / open credit lines: 5 / 5Length of status:9y 0m
Amount delinquent: $3,570 Total credit lines: 22 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 19 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: the-enriched-listing 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
repairing work vehicle and IRS
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 485299
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 2 Current / open credit lines: 6 / 7Length of status:4y 5m
Amount delinquent: $6,736 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,811Stated income:$25,000-$49,999
Delinquencies in last 7y: 39 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: return-outpost3 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
Catch up on bills
Purpose of loan:
This loan will be used to catch up on bills as I seek a career change

My financial situation: My small business income dropped significantly over the past year to the point where I am now working as a seasonal driver for Fed Ex home delivery and will likely be working as a seasonal clerk for the IRS beginning in January of 2011. Upon completing 90 days working there, I will seek FT employment with them as I prepare to complete work on my BA in Economics at UT Austin beginning the Fall 2011 semester.
I am a good candidate for this loan because my monthly overhead is very low ($1100 without food and fuel). I do not have car payments and my rent is all bills paid (fixed $400). My small business pursuit didn't pan out as I had hoped in the 4 years I attempted it. Prior to my self employment I worked for another refinishing shop for 8 years at $42k per year. I look forward to working with steady pay again and am confident I will find employment within the same income bracket within a relatively short amount of time whether it be skilled labor similar to my small business, or govt. employment more closely related to my degree. I plan to pay off this loan early and definitely will not take 3 years to complete.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485303
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $783.41
 
Auction yield range: 2.57% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1979 Debt/Income ratio: 12%
Credit score: 820-839 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:17y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,403Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: justice-escalator6 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
Loan for LSM
Purpose of loan:
This loan will be used to? business purposes

My financial situation:
I am a good candidate for this loan because? No problem paying back, probably in a year or 2
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485313
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,100.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 5.57% Starting borrower rate/APR: 6.57% / 8.63% Starting monthly payment: $187.15
 
Auction yield range: 5.57% - 5.57% Estimated loss impact: 5.02%  
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): 8 First credit line: Jan-1999 Debt/Income ratio: 26%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,145Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: Yes  
Screen name: banker9705 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 780-799 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
800-819 (Apr-2010)
 
Principal balance: $6,615.41 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Getting all debt on fixed rate
Purpose of loan:
This loan will be used to? get all debt on a fixed rate

My financial situation:
I am a good candidate for this loan because? i have never defaulted or been late on a bill. I pay the same amount now as i will when i get the loan, except now it will be on a fixed rate.

Monthly net income: $ 4000.00

Monthly expenses: $
??Housing: $ 1075
??Insurance: $ 89
??Car expenses: $ 480
??Utilities: $ 150
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 350
??Other expenses: $ 350
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485323
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-1986 Debt/Income ratio: 29%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:2y 0m
Amount delinquent: $71 Total credit lines: 32 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,860Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: dixie-doo Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
660-679 (Aug-2009)
640-659 (Jul-2009)
620-639 (Oct-2008)
600-619 (Sep-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Helping my mom - my 2nd loan
Purpose of loan:
I am asking for this loan because I want to help out my mom. She recently had to put in a new furnace and put it on a credit card because she didn?t have the money. This past July she spent 1 month in the hospital after having supposed minor surgery which became anything but that. She is 70 and semi retired but she continues to work part time. When she was in the hospital she fell behind in her bills and I helped her out with that. But this furnace was a huge expense . She frets about having this bill to pay on top of? her other bills. I have offered to make the payments for her but in her eyes, it?s a bill that hangs over her head.? I do not have $3000.00 to just pay it off for her at one time so that?s why I am asking for this loan. I would much rather it be gone for her so that she stops fretting about it.

This will be my second Prosper loan. The first one is now paid off. Since that previous loan I have been able to buy a house and have done well managing my credit. Of the credit cards I have now, I have used them principally for things for the house. Home Depot and Lowes have deferred billing and I have taken advantage of that, paying down the balance while not incurring any finance charges.?

I noticed that my credit score has gone down and I have a delinquency showing up.? Six years ago I had a bankruptcy and since that time I have learned to keep tabs on my credit report. Well, about a month ago I checked my credit report and saw a charge from Verizon for $71 that I questioned. It was a charge that was discharged in the bankruptcy.? I have asked the credit reporting agency to verify it but as of now? it is showing up.

?I am a nurse and have a very stable job. I am more than capable of paying this loan on time and may pay it off a bit earlier than 3 years but not sooner than 1 year. I truly appreciated the help I received in the past from Prosper lenders and I thank you all ahead of time for your help now.




Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 952

??Car expenses: $ 100 for gas and insurance
??Utilities: $ 150.00 for gas and electric
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ varies by month
??Credit cards and other loans: $100 for credit cards $400 for student loans
??Other expenses: I have 3 kids in college so I help them as much as I am able. Amount varies.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-2004 Debt/Income ratio: 24%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:13y 7m
Amount delinquent: $0 Total credit lines: 8 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,202Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: upright-benjamins783 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my loans
I am a good candidate for this lone, I am a single dad who fought and won custody of his son. I will use the loan to pay off my credit cards, and another loan.

I will pay off this loan, and you will not be disappointed. I make plenty to pay the loan, I would like to just pay them off and save any of the interest I would be spending if I paid them off a little at a time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485337
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 16.50% Starting borrower rate/APR: 17.50% / 23.20% Starting monthly payment: $35.90
 
Auction yield range: 10.57% - 16.50% Estimated loss impact: 11.18%  
Lender servicing fee: 1.00% Estimated return: 5.32%  
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): 7 First credit line: Aug-2000 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,338Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: voyage554 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off High Interest debts
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I'm a collage student with a permanent part time job. I've been very responsible with my credit and Ive been trying to get out of debt for a while. I'm going to use this loan to pay down some high interest debt. Most of my credit cards have rates under 16% and this will pay off a higher interest card and reduce another higher interest card. The current monthly payment on this card is $25 and a jump to the $35 payment of this loan isn't going to break my budget.

Monthly net income: $1000

Monthly expenses: $
??Housing: $0
??Insurance: $0
??Car expenses: $150
??Utilities: $0
??Phone, cable, internet: $130
??Food, entertainment: $150
??Clothing, household expenses $50
??Credit cards and other loans: $250
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485347
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 9 Current / open credit lines: 14 / 11Length of status:6y 10m
Amount delinquent: $2,742 Total credit lines: 44 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $437Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: relentless-commitment226 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
business inventory
Purpose of loan:
This loan will be used to? expand my business..

My financial situation:
I am a good candidate for this loan because? because i have been in business for 7yrs
now and plan on being in business for a long time
Monthly net income: $
8000.00
Monthly expenses: $
??Housing: $ 850.00
??Insurance: $ 69.00
??Car expenses: $
??Utilities: $ 200.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485355
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $8,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 9.40% Starting borrower rate/APR: 10.40% / 13.60% Starting monthly payment: $259.64
 
Auction yield range: 7.57% - 9.40% Estimated loss impact: 8.89%  
Lender servicing fee: 1.00% Estimated return: 0.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1994 Debt/Income ratio: 40%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 48 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,500Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: cash-pudding Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation, Medical Bills
Purpose of loan:
This loan will be used to consolidate a credit card balance and some medical bills.? We had a medical emergency this year and insurance covered very little.? We are not buying Christmas gifts this year because we are 100% dedicated to getting out of debt.?

My financial situation:
I am a good candidate for this loan because I have not used a credit card for personal reasons since December 2009, as I am committed to becoming debt-free and then in turn investing in others through this program.?I have never been late on a credit payment and always pay above the minimum.

Monthly net income: $ 3863

Monthly expenses: $?
??Mortgage & Utilities: $ 1650
??Insurance: $165
??Car expenses: $120 average
??Utilities: $185?
??Phone, cable, internet: $ 89
??Food, entertainment: $ 150 includes?groceries
??Clothing, household expenses $ 150 average
??Credit cards and other loans: $ 800 +?(this includes payment on this prospective loan)
??Other expenses: $ 300 towards Emergency Room and Ambulance bills - for 8 more months, but will be included in this consolidation.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485361
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.57% Starting borrower rate/APR: 14.57% / 17.85% Starting monthly payment: $258.41
 
Auction yield range: 13.57% - 13.57% Estimated loss impact: 14.78%  
Lender servicing fee: 1.00% Estimated return: -1.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-2002 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 18Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,616 
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: return-leather3 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 of credit cards
Purpose of loan:
This loan will be used to pay my high apr credit cards?

My financial situation:
I am a good candidate for this loan because I am an engineer and looking for job. My wife has income around $50 000?

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $1036
??Insurance: $ 96
??Car expenses: $ 326
??Utilities: $ 124
??Phone, cable, internet: $ 135
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485365
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1994 Debt/Income ratio: 18%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:8y 2m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,892Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: pious-community5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my dad's debts
Purpose of loan:
This loan will be used to? pay off the debt my dad incurred trying to keep his house and 20 acres.? He borrowed $15,000 from a very close family friend and I didn't find out about it until after he died.? It's important to me to be sure that everyone who helped my dad in his time of need, gets paid back.?

My financial situation:
I am a good candidate for this loan because? I manage my money and my debts very carefully and responsibly.? My reputation and my credit history are both very important to me and I work diligently to keep them clean and "above reproach".? I've downsized my living?situation this past year after my dad died so that I'd be in a better position to pay off his debt more quickly.? It's been a bit of a sacrifice but I am happy to slowly work at it and see it go down.??

Monthly net income: $ 5000.00

Monthly expenses: $ 3,280
??Housing: $ 900 including utilities
??Insurance: $ 80
??Car expenses: $?50????
??Utilities: $?0 see housing
??Phone, cable, internet: $ 0 see housing
??Food, entertainment: $?500????
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1000
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485371
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $123.69
 
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): 6 First credit line: Jan-2000 Debt/Income ratio: 11%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,162Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: Mastercard Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
700-719 (Oct-2010)
720-739 (Aug-2010)
640-659 (Jul-2008)
620-639 (Apr-2008)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Business Loan 4 another rental
I apologize to the previous bidders who fully funded my listing. I was in my farm and was unable to complete the verification process. I am back now.

This listing will be ended as soon as it is funded for Prosper verification.

Thank you for taking the time to look at my listing.

Purpose of loan:

The sole purpose of this loan is to combine my savings and the proceeds of this loan to fund the purchase of my 4th property. I have already done my due diligence on this property. This new property would be rented at $650 per month once acquired. I already have a renter willing to sign a one year lease. I tried to get a two year lease but he's only willing to sign a one year lease for now. I took out the difference from my 401k account and made this loan with Prosper smaller.

My financial situation:

Primary Residence (still paying the mortgage)

Rental Property (paid in full)- rented at $750/ month with a 2 year lease

20 Acre Farm (paid in full)- crops due in December and are not included in my income.

I work at least 10 hours of overtime per week @ $38/ hour.

Paying this loan off will not be hard as I have more than enough money left over to cover it.

There will be no late payments.

Monthly net income: ~$5,800

Monthly expenses: ~$1,571
Housing 1: $800.00
HOA (total of 2 houses): 273
Insurance: $43.00
Car expenses: $310
Utilities: $30
Phone, cable, internet: $25
Food, entertainment: $50
Clothing, household expenses $25
Credit cards and other loans: $15
Other expenses: $0

Should you have any questions, please do not hesitate to contact me.

Thanks again.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485373
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 35.64% Starting monthly payment: $42.18
 
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: Feb-2007 Debt/Income ratio: 5%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $342Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: Brittany81889 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan Christmas gifts!
Thre is an extra something special that I would like to get my hubby for Christmas. I just don't have the funds set aside to do it without you wonderful folks on Prosper. This loan WILL be paid back in less than six months.

Outline of monthly expenses


Auto insurance- $96
Cell phone bill - $238

I do not have anything else to pay, not even rent so you can rest assured that you will get your money back and then some.

Hope you all have a Merry Christmas! And thanks for making mine even Merrier!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 20.40% Starting borrower rate/APR: 21.40% / 24.82% Starting monthly payment: $568.21
 
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: Apr-1975 Debt/Income ratio: Not calculated
Credit score: 840-859 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:30y 6m
Amount delinquent: $0 Total credit lines: 60 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $70,372Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: Vintagehospitaliy 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
Inventory for the Holiday Season
Purpose of loan:
This loan will be used to?
Purchase Inventory, small equipment
My financial situation:
I am a nice candidate for this loan because? I am stable and I have been trained in manajement and financin.

Monthly net income: $45,000

Monthly expenses: $ 3000
??Housin: $?520
??Insurance: $ 1200
??Car expenses: $ 0
??Utilities: $ 232
??Phone, cable, internet: $ 180
??Food, entertainment: $?145
??Clothin, household expenses $?50
??Credit cards and other loans: $ 210
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485383
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.50% Starting borrower rate/APR: 24.50% / 27.99% Starting monthly payment: $296.22
 
Auction yield range: 13.57% - 23.50% Estimated loss impact: 15.26%  
Lender servicing fee: 1.00% Estimated return: 8.24%  
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): 6 First credit line: Mar-1990 Debt/Income ratio: 20%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:15y 3m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,150Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: bobtheitalian 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
600-619 (Oct-2008)
600-619 (Apr-2008)
560-579 (Jan-2008)
 
Principal balance: $5,735.81 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Pay off rest of 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 485391
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $126.53
 
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: Apr-2000 Debt/Income ratio: 5%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:10y 7m
Amount delinquent: $0 Total credit lines: 27 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $771Stated income:$25,000-$49,999
Delinquencies in last 7y: 24 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: epic-value3 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
need a new car-mine was stolen
Purpose of loan:
This loan will be used to?
purchase a vehicle
My financial situation:i am recovering slowly from a filed and discharged bankruptcy last year 8/09 and am afraid i probably can't get financing for a while.i have high utilization on my credit cards because i was paying utilities with my cards.i recently moved from a house that i was renting that left me house poor into an apartment to save money and after being here for less than a month my car was stolen from my gated community.i don't have the necessary cash on hand to go and purchase a vehicle but i need transportation to get to work
I am a good candidate for this loan because?i am searching for short term financing for a replacement vehicle.i would like to be able to repay it within the year that's why i'm not seeking a huge amount.i do pay my current bills on time as i am trying to re-establish my credit.

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 485395
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-2006 Debt/Income ratio: 35%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,769Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: alluring-auction5 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 credit cards
Purpose of loan:
This loan will be used to? Pay off the following credit cards; dell financial credit card, longbeach credit card and a loan balance with long beach credit union. The remaining balance will be used to pay personal bills.

My financial situation:
I am a good candidate for this loan because? i am eager to pay off and reduce my credit balances and this is one of the best options available to me. I also make my payments on time.

Monthly net income: $ 2300????????

Monthly expenses: $
??Housing: $?600
??Insurance: $ 120
??Car expenses: $ 410
??Utilities: $ 40
??Phone, cable, internet: $ 22
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 240
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485397
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-2003 Debt/Income ratio: 43%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 59 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,915Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: blazing-order 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 debt and student loans!!
Purpose of loan:
This loan will be used to?
Pay off some credit cards.? I just recieved my masters and all of my student loans are coming into repayment and I really need to cut some credit card debt.?
My financial situation:
I am a good candidate for this loan because?
I have never been late on any payments and I really want to be able to pay my debt off and start a family.
Monthly net income: $
3000.00
Monthly expenses: $
??Housing: $ 300.00
??Insurance: $?75.00
??Car expenses: $ 289.00
??Utilities: $?75.00
??Phone, cable, internet: $ 90.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 2000.00
??Other expenses: $
Information in the Description is not verified.