Listing Report:Supplement No. 106 dated Dec 02, 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 313062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $12,000.00 Prosper Rating: 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: $415.40
 
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: Mar-1993 Debt/Income ratio: 18%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:14y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,651Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: TheRascel 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
Operation Balance Sheet Cleanup
Operation Balance Sheet Cleanup
My situation. Married with 3 children. Like many, in the years of easy credit, I borrowed against the future. Now older and wiser, but finding the process of ?paying down the revolving debt frustratingly slow. I've been working steadily at cleaning up my personal balance sheet by paying off car loans, and driving out expenses from my budget. I'm now making the income that I was living like I had 5-10 years ago, but I need to clean up the past sins. I'm tired of giving Banks more profit, after all the ?bailouts?.? I'd rather pay the interest to you. This loan will also help speed up the balance sheet cleanup situation by freeing up cash flow to pay car loans off faster.

Employed at a Fortune 100 Co. for 15 years in the Fin. Analysis. I also teach college at night,. I've been promoted instead of laid off during tough economic times. Received above average pay raises while the rest of the company was taking pay cuts. Never delinquent on anything, and always honor my obligations. This will be no different.

Until Prosper?s ?quiet period a couple years ago, I was a lender like you.
This loan will be used to pay off store and Discover credit cards. We have already cut the cards up. This is to consolidate, cut the interest expense, and increase cash flow. (I know some of you will wonder why I don?t take it out of my house. While I actually have positive equity, it?s not the 80% LTV lenders want now.)Month income: $ 7600

Month expenses: Avg
??Housing: $ 1248
??Insurance: $ 600 -Life, home, auto
??Car expenses: $ 644 -Two car notes / gas / Maintenance
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 1000
??Clothing, household expenses $500
??Credit cards and other loans: $ 650
? Taxes (Fed / State/ Prop): $ 1100
??Other $1408? - 401k, health insurance, kids education, un-budgeted items.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 460580
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1998 Debt/Income ratio: 26%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 31Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 33 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,647Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: new-foxy-moola 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 debt
Purpose of loan: Is to pay off debts.
This loan will be used to pay off debts.

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

Monthly net income: 6500 $

Monthly expenses: $2500
??Housing: $2000
??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 485174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,300.00 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: $213.49
 
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: Oct-1986 Debt/Income ratio: 34%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 24 / 22Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 52 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,261Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: generosity-wizard9 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: 7 ( 100% ) 740-759 (Latest)
Principal borrowed: $8,600.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2010)
 
Principal balance: $7,128.72 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
POHICOAT
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 486134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $99.52
 
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-2003 Debt/Income ratio: 31%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:4y 6m
Amount delinquent: $3,592 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,132Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: liberty-stilleto Borrower's state: California Borrower's group: Road To Better Credit
Credit and homeownership information was obtained from 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 installment accounts
I plan to use this loan to payoff my two installment accounts, I pay 269 a month for my wedding rings, and 174 a month for furniture, and I need to consolidate these to loans to save me more money monthly, and I also help lower my debt to income ration, I will have no problem making the payment for the loan seeing that if will be extremely cheaper monthly payment than my two accounts I am paying on now, montly payments will not be a problem i have another income as well which is non taxable so I couldn't include on my income for 2018 a month for Montgomery GI bill for school, and also I am a reservist so that is another paycheck for me as well
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486272
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.00% Starting borrower rate/APR: 28.00% / 31.98% Starting monthly payment: $62.05
 
Auction yield range: 16.57% - 27.00% Estimated loss impact: 25.57%  
Lender servicing fee: 1.00% Estimated return: 1.43%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: May-1995 Debt/Income ratio: 31%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 16 / 13Length of status:4y 9m
Amount delinquent: $650 Total credit lines: 41 Occupation: Retail Management
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $6,531Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: damac Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 29 ( 97% ) 620-639 (Latest)
Principal borrowed: $3,500.00< 31 days late: 1 ( 3% )  
600-619 (Jul-2009)
560-579 (Apr-2008)
560-579 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Hospital bills be gone!
Purpose of loan:
This loan will be used to? pay off a left over hospital bill that has gone to collections.? I am back on track, have paid my other prosper loan off, and its paid 4 months early...woo hoo.? Now I just would like to get this bill paid and out of the way, so my credit/prosper score will get back up to normal.?

My financial situation:? I am back on track, mostly caught up, this will take care of that, and its all going in the right direction.? I have a great job at New Seasons, and also rebuilding my client base in the salon, so close, so close...



Monthly net income: $ 3300

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 82
??Car expenses: $ 250
??Utilities: $?100
??Phone, cable, internet: $60
??Food, entertainment: $?250
??Clothing, household expenses $
??Credit cards and other loans: $250?
??Other expenses: $ 450? salon rent
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486312
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,960.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 33.00% Starting borrower rate/APR: 34.00% / 37.70% Starting monthly payment: $221.57
 
Auction yield range: 10.57% - 33.00% Estimated loss impact: 10.64%  
Lender servicing fee: 1.00% Estimated return: 22.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1992 Debt/Income ratio: 7%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,403Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: Gex Borrower's state: California Borrower's group: LendersClub
Credit and homeownership information was obtained 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: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Paying down my credit cards
Purpose of loan:
One of my credit cards?increased the interest rate from 7.99% to over 16%. Would like to pay off the balance at a lower rate.

My financial situation:
I have over $80,000.00 in my 401k and $2,000.00 in stocks.

Monthly net income: $ 5621.56

Monthly expenses: $ 4389.98
??Housing: $ 975
??Insurance: $ 110
??Car expenses: $ 120
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 110
??Other expenses: $ 0
? 401k: $ 739.10
? Support: $ 1735.88
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486314
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $218.33
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-2001 Debt/Income ratio: 42%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,000Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: generosity-atizer8 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 wife's surgery
Purpose of loan:
This loan will be used?for my wife's surgery. A cyst in her ovary must be removed as soon as possible.?

My financial situation:
I am a good candidate for this loan because I am very responsible paying my debts and bills. Having a good credit score and reputation is very important for me. I like to be honest in every aspect of my life. I do have an stable job, and also I feel blessed to have my daughter's financial and emotional support that I always can count on.

Monthly net income: $ 2,000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 350?
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $ 0
??Clothing, household expenses $ 0?
??Credit cards and other loans: $ 250?
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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 6m
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
Please Help Ease Family Tension
Have you ever borrowed money from a close family member and then had it hurt your relationship? This is the situation I am in now. My parents loaned me money to pay a debt so I would qualify for a house earlier this year. Even though I am making regular payments our relationship is strained now and I know they need the money back quicker than I am able to pay it. I would like a loan to repay them so our relationship can get back to normal. (And I will never borrow money from a family member again!)

The house itself was a very good investment. It was a foreclosure needing mostly cosmetic work. My husband has done most of the work already and I'm sure the house is worth a lot more than we bought it for this summer. Zillow.com estimates it's current worth at almost $80,000 more than we paid for it. A similar house nearby just sold for $130,000 more than we paid for it. There aren't any more houses for sale in the immediate area. Moving was a necessity as our family had outgrown our tiny rental and renting a bigger house would've cost us the same or more so we bought this house with the intention of staying in it for a long time.? We got a good loan with a low fixed interest rate.

My financial situation:
I am a good candidate for this loan because my husband and I own a company together which is steady and growing. Profits have increased each year we have been in business. We have a solid base of customers and referrals. We try hard to live within our means.

On my credit rating here, please note that my Experian score is between 700 and 739. The public record is an old lien that has been paid off. The $268 delinquency is a scavenger collector and is not a real bill of mine. However, I have not been able to get it removed and it will age off next month anyway. The credit card balance is just how much the bill was at the time. We charge the card for some business expenses and then pay it off each month.

I am honest and responsible as well as want to improve my credit score, so I will be diligent about paying this loan on time. Please help me to improve family relationships by getting this loan paid back now. Thank you so much to everyone who bids!!

Monthly net income: $ 4167.00 avg.? (This is our net income after we take out the business expenses and taxes.)

Monthly expenses: $ 3169.00

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486366
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $163.58
 
Auction yield range: 3.57% - 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-1996 Debt/Income ratio: 7%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 15 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $448Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: new-transaction-beaker 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
remodeling kitchen and new carpet
Purpose of loan:
This loan will be used to? remodel my kitchen, with a new floor, new appliances,new table and chairs also to put in new carpet in dining area. I would also like to put in new sinks with a?new counter top.

My financial situation:
I am a good candidate for this loan because? I have never been late with my payments and have always paid on time or before due date. I have a steady work history and have been at same job for the last 12 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486396
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $131.00
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-2001 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,053Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: compassion-widget 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
Funeral 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: $ 5,800

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 0
??Car expenses:?$ 0
??Utilities: $?400
??Phone, cable, internet: $ 240
??Food, entertainment: $ 600
??Clothing, household expenses $ 300
??Credit cards and other loans: $?200
??Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486408
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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 8m
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: SingleDad-54 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
TAKE A CHANCE ON ME!!
Give me a chance you wont be disappointed... I have raised my son alone, and just need this financial boost...
I am a good candidate for this loan, 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 486420
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,657.00 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: $346.63
 
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: Jul-1982 Debt/Income ratio: 15%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:18y 6m
Amount delinquent: $0 Total credit lines: 71 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,238Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: jarevack 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: 1 / 3 On-time: 53 ( 96% ) 720-739 (Latest)
Principal borrowed: $10,500.00< 31 days late: 2 ( 4% )  
680-699 (Dec-2009)
680-699 (Oct-2009)
640-659 (Jul-2008)
600-619 (Mar-2008)
 
Principal balance: $1,289.75 31+ days late: 0 ( 0% )
Total payments billed: 55  
Description
Much needed home repair
Purpose of loan:
Our home is now six years old and in need of a few repairs: 1) A new front door due to wood rot; 2)?New carpet/flooring due to wear and tear (and three wonderful kids); 3) Misc. repair to cabinets, doors, walls, etc.??

My financial situation:
I am a good candidate for this loan because I pay my bills on time; this will be my fourth Prosper loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.00% Starting borrower rate/APR: 29.00% / 32.59% Starting monthly payment: $314.29
 
Auction yield range: 10.57% - 28.00% Estimated loss impact: 10.50%  
Lender servicing fee: 1.00% Estimated return: 17.50%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1995 Debt/Income ratio: 14%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 12 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,312Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: scorp75 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 86% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 2 ( 14% )  
540-559 (Jun-2008)
520-539 (May-2008)
 
Principal balance: $0.55 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Need a car for non work use
Need to purchase a car before the end of the year I have had the use of a company truck for the last two years so it was not a priority. I have recently moved in with some friends who work seven days a week at the restaurant they own so my rent and food expenses are $0.00.
My bills currently are
Internet $45
Gas & Electric $65
Water $50
Student Loans $190
Renter?s Insurance $25
Credit Cards $150
Misc expenses $200
I currently net just over $2000 per month
I can raise the money for a car in 3 months but need it sooner. I am currently a lender here so plan to take the full 3 years to pay back the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486426
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 7 First credit line: Mar-2000 Debt/Income ratio: 17%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,311Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: generosity-persimmon3 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
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 486428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,200.00 Prosper Rating: 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: $151.84
 
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): 6 First credit line: Jul-2007 Debt/Income ratio: 10%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,602Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: capital-goliath 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 Credit Cards, Student Loan
Purpose of loan:
This loan will be used to pay off my credit cards and prepare for my student loans that I will start to pay for.

My financial situation:
I am a good candidate because I rarely miss a payment. My credit score is good, not sure why above it shows it lower than what it should be, maybe its the way their system works but I know I can handle the loan payments. I work in the IT department of a very large company as a desktop support technician.? I just recently graduated from college so to be in the position I am in now I feel very lucky.? By paying off my credit cards it will cut down my payments I make a month and it is cheaper for me to make the loan payment than it is to continue making the card payments.

Monthly net income: $ 2880.00 (Before Taxes)

Monthly expenses: $
??Housing: $ 563.00
??Car expenses: $ 300.00 (Gas)
??Utilities: Included in rent.
??Phone, cable, internet: $ 35.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 60.00
??Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486434
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2002 Debt/Income ratio: 18%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:2y 5m
Amount delinquent: $49 Total credit lines: 17 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,788Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: feywill95 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
The purpose of this loan is for debt consolidation.?

The debt that I have accumulated stems from when I purchased a home 2 years ago.? I was a first time homebuyer.? I needed items such as appliances, furniture and other items to make my home livable. I didn't have that kind of cash on hand so I ended up using credit.? I have been paying each company that I owe on time.? It would be wonderful to not have to pay multiple companies at different times of the month and at various interest rates.? By obtaining this loan, I would be able to consolidate the debt that I have accumulated into one payment.? With help from the wonderful lenders at Prosper, I would finally be able to get rid of this debt for once and for all.? It would really give me a great sense of accomplishment as well.? I hope one day to become a Prosper lender.? I really appreciate you taking the time to consider my loan request.?

My financial situation:
I am gainfully employed and have a great stable job.? I am also an honest person.? It is my intention to pay of this loan within 1.5 to 2 years.?

Monthly net income: $ 3800

Monthly expenses: $
??Housing: $?950
??Insurance: $ 130
??Car expenses: $ 254
??Utilities: $?150
??Phone, cable, internet: $?200
??Food, entertainment: $ 50?
??Clothing, household expenses $?100
??Credit cards and other loans: $?350
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1995 Debt/Income ratio: 16%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,058Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: nancy89 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 97% ) 760-779 (Latest)
Principal borrowed: $4,300.00< 31 days late: 1 ( 3% )  
620-639 (May-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Helping Mom with Hospital Bill
Purpose of loan:
This loan will be used to pay off my mom's Hospital bill.? Both of my parents became unexpectedly disabled, so I am now the head of my household (I am an only child & have nobody else to depend on to help me). I?am paying the mortgage, their bills, along with my bills, since my dad's disability doesn't really pay much (it barley covers his meds).??On?Oct 31,2010 we had to rush my mom to the ER & as you can imagine our bill was?ridiculously high.?I called the Hospital & advised them of my situation & that I would not be able to pay the full amount & thankfully they?cut the balance due in half (which is what they would have gotten paid anyways if my mom had insurance), however,?due to the economy, they will not let me make montly payments & want the payment in full.?With all of my?other responsiblities, I can't afford to make that?payment all at once. I can afford however, to make the monthly payments here on Prosper & an additional sum to pay off my balance as soon as possible.

I am hard working & reliable. ?I currently have 2 jobs, my regular 40 hour a week job & I also work?part time as a?piano instructor to make some additional money;I have been at both jobs for 12 years now. ?I am a good candidate for this loan because I have borrowed from Propser before;?I was always on time with my payments,?I was never late & paid my balance back in full. My credit score has also improved over 100 points since my last loan which proves that I am trustworthy?pay all my balances back in full.

Thank you very much

Monthly net income: $ $2500 (after taxes)

Monthly expenses: $
??Housing: $ 1600?
??Insurance: $ 550 every 6 months
??Car expenses: $ 0
??Utilities: $?120.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 2,000 ($200 montly)
??Other expenses: $ 90.00 - Cell Phone
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.95%  
   
 
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: 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: Apr-1999 Debt/Income ratio: 13%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,459Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: treasure-accord 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
I want to PAYOFF my Dumb Discover!
Purpose of loan:
This loan will be used to? Pay Off an?outrageous Discover Card charge, after I had to use cash advance to pay for an unexpected insurance deductible, to replace?the roof on my house.? I had to do this very time-sensitive because of impending weather.

My financial situation:
I am a good candidate for this loan because? I have a stable job as a teacher/coach, I am a homeowner, and?married to another teacher who shares financial responsibilities.? I also make a little extra cash in the summer, when I'm not teaching, working on the family farm where I was raised.? I am asking for the lower rate to try and save a few bucks in paying this back. This is Low-Risk for the borrower, and I have definite goals on getting this paid back earlier than the due date to continue to increase my credit.? My delinquencies accrued in the past due to a divorce where I missed some payments, while paying legal fees to assure my custody status with my son (who is my LIFE)!? I have worked very hard to repair a tough past and now am proud to be a homeowner! I appreciate consideration, and welcome any questions.

Monthly net income: $ 2400

Monthly expenses: $ 1518
??Housing: $ 1006
??Insurance: $ 113
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ share
??Food, entertainment: $ share
??Clothing, household expenses $ share
??Credit cards and other loans: $ 152 (school loan)
??Other expenses: $ share
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $105.45
 
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: Feb-2002 Debt/Income ratio: 11%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 35 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,570Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: diversification-buddy957 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
Please Help me further my education
Purpose of loan:
This loan will be used to fund educational expenses.

My financial situation:
I am a good candidate for this loan because following my degree I will?receive an 8% raise at work and I have an excellent payment history following my poor financial decisions as a?young adult.

Monthly net income: $ 5570

Monthly expenses: $ 3150
??Housing: $ 1850
??Insurance: $ 150
??Car expenses: $ 300?????
??Utilities: $?150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $?100
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $152.83
 
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: Mar-1988 Debt/Income ratio: 27%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 54 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,521Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: artk42 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: 29 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2008)
 
Principal balance: $1,538.56 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Getting caught up on bills
Purpose of loan:
This loan will be used to get caught up on my house note and pay my daughters tuition.

My financial situation:
I am a good candidate for this loan because I've?never been late on my payments with my first loan.?

Monthly net income: $ 2750

Monthly expenses: $
??Housing: $?
??Insurance: $ 156
??Car expenses: $
??Utilities: $ 325
??Phone, cable, internet: $ 187
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 175
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486452
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 38.44% Starting monthly payment: $43.67
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-2006 Debt/Income ratio: 9%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 4 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,130Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: dinero-control Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Register my Car
I moved from Seattle, WA to Escondido, CA about a year ago and need to register my car and get Cali plates. I would have done this when I first moved down... unfortunately the DMV does not except credit cards. Please help me out and I will have this loan paid off within 6 months. I appreciate all the help I can get! I plan to put down about $200/month towards this loan. Thank you in advance!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486460
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1996 Debt/Income ratio: 21%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 8Length of status:12y 8m
Amount delinquent: $710 Total credit lines: 26 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,663Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: exponential-bazaar6 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
Rebuild emergency funds
Purpose of loan:
This loan will be used to rebuild an emergency fund and position myself solidly in 2011.

My financial situation:
I am a good candidate for this loan because I own my house with equity, have a long time and solid job, and have taken measures to reduce expenses while increasing income in 2011.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 2390
??Insurance: $ 90
??Car expenses: $ 0
??Utilities: $ 240
??Phone, cable, internet: $ 120
??Food, entertainment: $ 550
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 600
??Other expenses: $ 175
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1994 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,628Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: hmack04 Borrower's state: Colorado Borrower's group: Debt Consolidators
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto work need on my 4runner
Purpose of loan:
This loan will be used to?
I need some repair on my 2004 toyota 4runner. including new tires

My financial situation:
I am a good candidate for this loan because?
I have been working for the same company for over 6 years.

Monthly net income: $
2000.00?I am married?and my husband makes most of the household bills. This loan amount will be around 112.00/month easy to make. thank you for looking at my request.



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486466
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-2002 Debt/Income ratio: 17%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:3y 5m
Amount delinquent: $47 Total credit lines: 12 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,087Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: the-coin-mushroom 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
DVD Rental Kiosk Start-Up Business
Purpose of loan:
This loan will be used to?help finance a DVD rental kiosk start-up business. I would like to start with one machine and gradually add more units as the business grows.?

My financial situation:
I am a good candidate for this loan because I have stable and well-paying job that I enjoy.? I'm able to make the monthly payment on this loan even if the business does not earn profits.? I always make my monthly payments/bills on time each month.?

Monthly net income: $2,820

Monthly expenses: $1,910
??Housing: $550
??Insurance: $103?
??Car expenses: $180?
??Utilities: $~70
??Phone, cable, internet: $111?
??Food, entertainment: $200?
??Clothing, household expenses: $40?
??Credit cards and other loans: $550?
??Other expenses: $105 monthly payment (LASIK procedure)?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 4 First credit line: Aug-1987 Debt/Income ratio: 61%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:4y 11m
Amount delinquent: $496 Total credit lines: 44 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,145Stated income:$1-$24,999
Delinquencies in last 7y: 29 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: Lorim29401 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Great job
Monthly net income: $
1000
Monthly expenses: $
??Housing: $ 0
??Insurance: $
??Car expenses: 0$
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 120
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486484
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $261.99
 
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-1997 Debt/Income ratio: 16%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 7 Occupation: Computer Programmer
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: marketplace-wingding 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
This Is Better Than A Credit Card
I am using this loan to make a few small purchases and pay off an old bill. I think a personal loan will suit me better than a credit card. I'm a great loan candidate because my monthly bills are very low and I always have plenty of expendable income every month. I will have no problem making the monthly payment. Currently, my rent is $610, car is $220, health and car insurance is $180, and utilities are about $200 per month. I always have an extra $1000 at the end of the month when all the bills are paid. I'm single, have no children, and am in perfect health.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1985 Debt/Income ratio: 20%
Credit score: 840-859 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 39 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,285Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: brightest-bazaar-uprising 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
Putting in a new kitchen
Purpose of loan:
This loan will be used to remodel my kitchen.? It is 28 years old?

My financial situation:
I am a good candidate for this loan because I can make the payments
and expect to pay it off early.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486508
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2005 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:5y 9m
Amount delinquent: $213 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,692Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: return-solstice4 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
help please funeral expenses
Purpose of loan:
This loan will be used to? My mothers-in-law passed away, and i have to help my wifes and her family to cover all the funeral expenses..

My financial situation:
I am a good candidate for this loan because? My wife and i we been working for the same company for over 6 years, and we had loan in the past and we paid off with no late payments, we will pay off this loan by april 2011 after the tax returns and our compnay bonuses! Theres one delinquency in my credit report that im disputing because my ex cable provider they charging me for somenthing that i didnt have, and i have less then 8000$ in debts and no car paymentes, i had 42% on my last listing i hope that this time to get 100%.. thank you in advance..

Monthly net income: 6000 $

Monthly expenses: $
??Housing: $1500
??Insurance: $200
??Car expenses: $0
??Utilities: $150
??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 486524
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-1972 Debt/Income ratio: Not calculated
Credit score: 800-819 (Nov-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,860Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: community-fir Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
business investment
Purpose of loan:
This loan will be used to?

other-business investment loan to account. loan will be used as liquidity to protect initial principle; projected return on loan to be 1.12% per/mnth. credit history and worthiness substantiates loan termsMy financial situation:
I am a good candidate for this loan because?

Monthly net income: $ 5000

Monthly expenses: $ 1500
??Housing: $ 400
??Insurance: $ 100
??Car expenses: $?50
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 10
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486530
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: May-1989 Debt/Income ratio: 11%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,697Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: influential-euro0 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off high interest credit cards. and have a fixed payment rate for a set amount of time.

My financial situation:
I am a good candidate for this loan because my credit score is in good standing, I?am gainfully employed earning a good salary. My debt to income ratio is relatively low.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486538
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.90% Starting borrower rate/APR: 34.90% / 38.62% Starting monthly payment: $112.95
 
Auction yield range: 13.57% - 33.90% Estimated loss impact: 15.76%  
Lender servicing fee: 1.00% Estimated return: 18.14%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1998 Debt/Income ratio: 12%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 7Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,470Stated income:$100,000+
Delinquencies in last 7y: 11 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: tenacious-rate1 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
Money to help with new baby
Purpose of loan:
My wife is taking time off from her part-time job to have our second baby, so this money will be used to cover a few months of expenses while she takes leave.?

My financial situation:
Our finances have improved over the past 12 months (cash flow issues lead to a credit squeeze last year as noted in my profile).? Our situation has greatly improved after paying down our debts, which has freed up additional cash to accelerate paying down the rest of our debts.? After May 2011, our car loan will be fully paid off, which will free up an additional $350/month that can be used to pay down this loan, among the other debts we carry.

Monthly net income: $ 5,400 (this is 1 income since wife will be taking leave of absence; dual incomes bring in roughly $6,200/month)

Monthly expenses: $ 5,135
??Housing: $ 2,450 ($2,100 mortgage $350 maintenance)
??Insurance: $ 125
??Car expenses: $450 (includes car payment and gas expenses)
??Utilities: $ 100
??Phone, cable, internet: $ 250 (includes cell phones and tv service)
??Food, entertainment: $ 300
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 1250 (credit cards, school loans, etc)
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486554
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,385.00 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: $107.89
 
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: Jan-2010 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 6Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,418Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: fund-hyperdrive4 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 for car repairs and books
Purpose of loan:
This loan will be used to pay for repair of a car (car accident) as well as student expenses such as books.
The cash would help greatly in a time of need.
Repairs to a car need to be done but I simply don't have enough cash in savings to do so.

My financial situation:
I am a good candidate for this loan because I am very promp with payments.
I already have an auto loan and have never missed a payment.
I am also not in any sort of debt.
My income is also steady and consistant.
I am also dependent on my parents and have expenses such as housing covered.
My parents are struggling to make mortgage payments so much of my paychecks go to them.

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 0 (living with my parents)
??Insurance: $?200
??Car expenses: $?200
??Utilities: $?0
??Phone, cable, internet: $?0?
??Food, entertainment: $?200
??Clothing, household expenses $?50
??Credit cards and other loans: $?150
??Other expenses: $ 500 (helping my parents out with their mortgage)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486562
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-1999 Debt/Income ratio: 26%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $263Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: schoolteacher1234 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off a couple small existing loans and my credit card?

My financial situation:
I am a good candidate for this loan because?Im a responsible person and I make sure my bills are all paid on time?

Monthly net income: $2000.00

Monthly expenses: $
??Housing: $ 678.00????????
??Insurance: $??67.00 a month??
? Car expenses: $ 260. car payment
??Utilities: $ 175.00
??Phone, cable, internet: $?150.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1999 Debt/Income ratio: 16%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 26 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,581Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: basis-aspen 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 bills
Purpose of loan: To help pay of? some outstanding loans, including my daughters college debt.
This loan will be used to? pay credit debt debt, and to pay college loans.?

My financial situation: has been better, but unforseen things happen and put me behind.
I am a good candidate for this loan because? I always pay my bills!! I want my daughter to go to her next year in college. I am a 4th grade teacher with twelve years experience and very responsible.

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $?1,700??Car expenses: $ 295.00
??Utilities: $ 500.00 total
??Phone, cable, internet: $
??Food, entertainment: $ 300.00
??Clothing, household expenses $ very small
??Credit cards and other loans: $ 1,000
??Other expenses: $ 400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486574
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $198.84
 
Auction yield range: 10.57% - 17.00% Estimated loss impact: 11.20%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1995 Debt/Income ratio: 37%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 29 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,181Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: justice-historian9 Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Lower Interest on Business Debt
Purpose of loan:
This loan will be used to transfer $5,500 of business debt from 18% to lower rate.

My financial situation:
I am a good candidate for this loan because I always pay on time, have a great credit score, and am motivated to become debt free asap.? I currently pay between $250-$500 per month on this debt.? The vendor has been very flexible in terms of repayment but I would like to pay them off and aggressively pay this debt off at a lower rate.? If funded, the goal is to pay this loan off within 18 months.

Monthly net personal income: $ 3,850.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 461605
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1992 Debt/Income ratio: 15%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 15 / 11Length of status:14y 3m
Amount delinquent: $19,209 Total credit lines: 70 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $25,721Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: GJONES2574 Borrower's state: NewJersey Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of my Credit Cards
Purpose of loan:
This loan will be used to consolidate my debt.

My financial situation:
I am looking to become debt free, I will pay this debt sooner than 3yrs.
Monthly net income: $
6000
Monthly expenses: $
??Housing: $ 1980.00
??Insurance: $ 226.00
??Car expenses: $ 298.97
??Utilities: $ 140.00
??Phone, cable, internet: $?62.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 476647
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 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: Mar-1993 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:7y 11m
Amount delinquent: $97 Total credit lines: 21 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,791Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: GoFast Borrower's state: Kentucky Borrower's group: PsychDoc's Group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 94% ) 640-659 (Latest)
Principal borrowed: $7,000.00< 31 days late: 2 ( 6% )  
640-659 (Jul-2010)
740-759 (Aug-2008)
720-739 (May-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate current credit cards and payoff some inventory purchased a few months ago that has not been sold.

My financial situation:
I am a good candidate for this loan because I pay my obilgations, I am forthright and honest but like most folks lately have gotten into financial trouble due to loss of income. The boat business is becoming more and more difficult, my income relies on others disposable income, so you can make the general assumption that disposable income is drying up. I have scaled back my operations but do not have the cash on hand to relieve my financial obligation to 1 creditor for required purchased inventory that I am now sitting on. My goal is to pay that creditor off and 2 credit cards with these funds.

Monthly net income: $4000.00

Monthly expenses: $ 3000.00+/-?
??Housing: $ 800
??Insurance: $100
??Car expenses: $400
??Utilities: $100
??Phone, cable, internet: $100?
??Food, entertainment: $200
??Clothing, household expenses $ 0
??Credit cards and other loans: $900
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 481995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $282.56
 
Auction yield range: 13.57% - 20.00% Estimated loss impact: 15.09%  
Lender servicing fee: 1.00% Estimated return: 4.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-1992 Debt/Income ratio: 49%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,029Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: goodhearted-truth Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
50 months till Freedom plan!
Purpose of loan:
This loan will be used to?get myself started on my plan to rid my life of debt! I have a detailed, well thought out plan that I have been working on for a couple of months now, and I'm ready to start! I plan on using the money from this loan to pay off a small credit card with high interest and the balance on my car loan. Those two payments gone will give me an extra $460 to apply towards other debt. With my $282.56 prosper loan taken out, that's $177.44 towards the next balance till it's gone. I will continue to follow this path till my debts are gone, with each payoff, applying that payment to the next balance. According to the calculators at Bankrate.com, I will be free from this burden in 50 months! I don't want to overwhelm you with information, but if you would like to see my plan in more detail, feel free to ask!

My financial situation:
I am an excellent candidate for a loan ... because I feel very passionate about my plan to get out of debt. I am very fortunate to have an excellent job with security, that also allows me to pursue outside endeavors that allow for a consistent extra monthly income. I have spent many hours analyzing, computing, budgeting and planning to come up with my best scenario, and after running it by a trusted source, I am very confident in it's success. As I hope you can see from my credit profile, I have never been late with a payment! EVER! I have spent 6 months now, living with a very specific, detailed budget, and I am very conscientious of where my money is spent.


Monthly net income: $2500 (fixed) $500-$1000 additional freelance income

Monthly expenses: $2720.00
??Housing: $525.00
??Insurance: $62.00
??Car expenses: $399.85 (car loan) + $120/month in gas
??Utilities: $140.00
??Phone, cable, internet: $145.00
??Food, entertainment: $600.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $1150.00
??Other expenses: $20.00/month (internet upkeep of business)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485421
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.57% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Aug-1994 Debt/Income ratio: 44%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:14y 0m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,070Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: workerbee1056 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 56% ) 660-679 (Latest)
Principal borrowed: $25,000.00< 31 days late: 16 ( 44% )  
720-739 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Payoff High Interest Credit Cards
Purpose of loan:
I would like to consolidate and close out two of my 3 credit cards.? I will promise to pay every month and will pay the other credit card off asap as well.? I just finish paying off a prosper loan in the amount of $25,000.00 which paid all of our old business debt, and now I want to get free of all of my personal debt.? Please help me and you will not be disappointed.
My financial situation:
I have been gainfully employed by the same company for over 13 years and I am currently working towards getting debt free.? I did have to short sale my house when my husband shut down his construction company, but he has since replaced that income and more with a steady job working for a utility construction company and making alot more money. ?

Monthly net income: $ 3400.00 (plus 680 from contract on real estate - which then is paid to that mortgage, so it is actually a wash)
My husband also makes $3600 take home per month.

Monthly expenses: $ 1980.00
??Housing: $ 500 ????
??Insurance: $ 150
??Car expenses: $400
??Utilities: $ 200
??Phone, cable, internet: $ 30
??Food, entertainment: $ 400
??Clothing, household expenses $100
??Credit cards and other loans: $ 100 - after this loan - currently $400.00
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jan-1996 Debt/Income ratio: 19%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 6m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,469Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: tenacious-market3 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
Waiting for the other funds to come
Purpose of loan:
This loan will be used to pay my other loan. I am waiting for my Saving Plans?check to be arrive, but on the other hand, I promised someone to pay her back before 12/8/2010. The Funds I am waiting for to be pay to me, it will come couple days later then the day I promised to pay the loan back. I will repay the full amount as long as my Saving Plans check came. Which would be in Dec 20/2010.

My financial situation:
I am currently working for Social Security Administration and making?good money.????

Monthly net income: $ 4000.00

Monthly expenses: $ 3500.00
??Housing: $?0.00??????
??Insurance: $ 0.00
??Car expenses: $?0.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $?0.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $0.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486375
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 9.34% Starting monthly payment: $318.00
 
Auction yield range: 2.57% - 8.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 6.45%  
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: Feb-1990 Debt/Income ratio: 4%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 11Length of status:10y 6m
Amount delinquent: $0 Total credit lines: 39 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $90,596Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: Hydra 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
Beautiful Property Purchase
Purpose of loan:
This loan will be used to purchase a 40% share of a mountain home in Panama and 40% of the furnishings . The property will re sold as time share and rented as part time rentals for short vacations.?? The property is less than one hour from Panama City, Panama. It is 3 bedrooms, 2 bathrooms and abuts a beautiful national park.? It has excellent income potential.

My financial situation:
I have an excellent credit rating and currently own 3 rental properties in New Hampshire?that provide a positive cash flow.? I have extensive experience in the real estate business, with over 7 years of rental property ownership. As is proven by the positive cash flow on my properties, I only purchase quality properties with good financing terms.? I am fully employed as a commercial pilot and make approximately $150,000, including non health benefits (per diem, 401k match).? I also do not have health insurance expense because it is provided as part of my compensation package.??
?I have excellent credit, am not late on my loans or expenses, have no automobile payments (fully paid off) and have good experience with the finances.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1990 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,953Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: greenback-oath 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
Buying new tires for winter
Purpose of loan:
This loan will be used to? buy new tires for my vehicle

My financial situation:
I am a good candidate for this loan because? I am a responsible individual with the ability to work hard

Monthly net income: $ 2000-3000

Monthly expenses: $
??Housing: $ 805
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $ 25
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486399
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-2001 Debt/Income ratio: 80%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 13 / 8Length of status:2y 1m
Amount delinquent: $1,664 Total credit lines: 37 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,682Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: investment-chef0 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
Paying mortgage to stay in home
This loan will be used to get caught up on my mortgage payments so that my family can remain in our home. I recently gave birth to my son, who is now four months old. After the delivery I took a twelve week maternity leave under FMLA, which was unpaid. My employer does not offer a paid maternity leave option, and due to complications related to the delivery I had to take a full twelve weeks. During this time, my husband and I got extremely behind on our bills...mortgage, credit cards, school loans, utilities...and also acquired medical bills. I know that I seem like a risky person to lend to, but my husband and I do work full time and often more than 40 hours per week in an effort to save money and pay bills. Everything in our savings is gone, and we need to pay the mortgage company by December 26th in order to remain in our home. Most of our creditors have been great and have been willing to work out payment plans with us, but the mortgage company will not budge. We can't afford a large monthly payment on a loan, but we are honest and we work hard and will agree to whatever terms our lender offers. Thank you for taking the time to read my listing, and I hope to hear from someone soon.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486405
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-1982 Debt/Income ratio: 33%
Credit score: 620-639 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:14y 6m
Amount delinquent: $3,715 Total credit lines: 46 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,379Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: gman5150 Borrower's state: California Borrower's group: Brighter Financial Future
Credit and homeownership information was obtained 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: 48 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,101.00< 31 days late: 0 ( 0% )  
600-619 (Oct-2009)
600-619 (Aug-2009)
600-619 (May-2009)
600-619 (Nov-2007)
 
Principal balance: $1,049.90 31+ days late: 0 ( 0% )
Total payments billed: 48  
Description
Need money to Fund my Wedding
Purpose of loan:
This loan will be used to help out with cost associated with my upcoming wedding.? My Fiance and I have $5000 saved and would like to reach $10,000 and have a little left over for our honeymoon.??

My financial situation:
I am a good candidate for this loan because I've already had a prosper loan of $2,600 and have paid it off.? I currently not late on any bill's and still currently employed

Monthly net income: $5194

Please help out if you can.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486411
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $97.58
 
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: Jul-1968 Debt/Income ratio: 11%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 15Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,030 
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: zztopdog Borrower's state: Missouri Borrower's group: Renewed Financial Horizons
Credit and homeownership information was obtained 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: 37 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
760-779 (Jun-2010)
760-779 (Nov-2009)
660-679 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
New driveway for my fixer upper
Purpose of loan:
This loan will be used to?
replace the driveway of the house I bought this summer, in which I reside.
My financial situation:
I am a good candidate for this loan because?this is my third
prosper loan and I have a good Ford pension + S.S.? and I keep my loans small.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 20.00% Starting borrower rate/APR: 21.00% / 24.41% Starting monthly payment: $244.89
 
Auction yield range: 16.57% - 20.00% Estimated loss impact: 19.43%  
Lender servicing fee: 1.00% Estimated return: 0.57%  
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): 4 First credit line: Aug-2002 Debt/Income ratio: 9%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 2Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 6 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,263Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: reliable-velocity945 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
Windows, driveway on home
I have a two family home I am looking to replace windows on first floor, I would also be doing the driveway which at the moment has huge potholes. Also some minor repairs need to be done on the roof.. I have never been late on a payment, I own my home. Any questions let me know?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486421
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 10.57% - 17.00% Estimated loss impact: 11.20%  
Lender servicing fee: 1.00% Estimated return: 5.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1990 Debt/Income ratio: 12%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 35 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,993Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: relentless-pound7 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
peterfrenzy
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
I have never defaulted or been late for any loan or lines of credit.??I wouldn't take take out a loan I couldn't pay off or pay toward reducing the debt.
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 486439
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $261.99
 
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: Oct-2003 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 9Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,284 
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: serene-truth290 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
dental hygiene school/board exams
Purpose of loan:
This loan will be used to?
help pay for my national board exams and license to practice dental hygiene, as well as other school expenses that my financial aid and student loans don't cover. I was not approved for a supplemental student loan and have been unable to obtain a cosigner, so this is my only option.
My financial situation:
I am a good candidate for this loan because?
I am graduating dental hygiene school in about 6 months. Tuition was raised this year but unfortunately the amount of financial aid I receive each quarter did not, so it is getting harder and harder to keep up on bills. I'm in school well over 40 hours per week, and with trying to prepare to take my board exams in my spare time, it is not easy to find a part time job for the hours that I am available, except for school breaks between quarters. I'm getting a little help from my family, but I have to register to take my board exams in the next month and if I am unable to pay for them, I will not be able to get my license when I graduate this summer, and without a license I will not be able to work in dental hygiene. Once I am able to work, I have the potential to make at least $40/hour. Since I am able to get some help from my family (just not enough to pay a large amount at once for my exams) I should have no problem making monthly payments on this loan, even while I am in school the next 6 months.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486441
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 7.57% Starting borrower rate/APR: 8.57% / 11.74% Starting monthly payment: $316.00
 
Auction yield range: 7.57% - 7.57% Estimated loss impact: 8.85%  
Lender servicing fee: 1.00% Estimated return: -1.28%  
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: Mar-1973 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:28y 11m
Amount delinquent: $0 Total credit lines: 13 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,057Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: powerful-moola4 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
Paying off credit cards/loans
I'd like to use this loan (in addition to some of my savings) to consolidate all credit card payments and a medical loan. I'm a very good candidate for this loan - as you can see I have never had any late payments, a very high credit score, and a high-paying job as an engineer.

The medical loan is through GE Care Credit with a very high interest charge (24.99%). Total: $5589.64
The credit card is through Zales (26.99%). Total: $4910.40

There are some other credit cards that I will also be consolidating, but these are the two big ones that total $10,500.04.

Thanks! If you have any questions, feel free to ask.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486443
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 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): 5 First credit line: Jan-1980 Debt/Income ratio: 32%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 6Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,806Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: td424 Borrower's state: Missouri Borrower's group: Debt Consolidators
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off CitiFinancial.
Purpose of loan:
This loan will be used to? Pay off a horribly high rate loan and save a little bit of interest.

My financial situation:
I am a good candidate for this loan because?I'm paying down all my debt and just trying to save some interest.

Monthly net income: $ 5,200

Monthly expenses: $
??Housing: $ 950
??Insurance: $ 0
??Car expenses: $ 569
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1600
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486445
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 23.50% Starting borrower rate/APR: 24.50% / 27.99% Starting monthly payment: $217.23
 
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: Jun-1991 Debt/Income ratio: 29%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 5Employment status:Other
Now delinquent: 0 Current / open credit lines: 24 / 17Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 54 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,583Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: capital-cluster7 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
flushing out the credit card debt
Purpose of loan:
This loan will be used to renovate a portion of my home into a home office for my husband.

My financial situation:
I am a good candidate for this loan because I am a financially secure retiree with several income streams including social security and investment interest & dividend income. My husband and I own our home (100%).

Monthly net income: $ 2,500

Monthly expenses: $ 800

Debt balance comprises two credit card interest-free balance transfers, zero percent interest until August 2012 (at which time the balance will be repaid in full).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 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: Jan-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 8Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,878Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: adorable-balance 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
Upscale Barber Shop
Business Loan for: ?Upscale Barber Shop - Seeking additional capital to allow for renovations for the Barber Shop. The Barber Shop will have a new chic and upscale look and feel.?If the interest rate is bid down I will be able to add a new pedicure station. My upscale Barber Shop is a sole proprietorship and I own and manage all aspects of the business. As with any business, growth requires an increase in capital. I am an MBA and have built a successful business with my knowledge, skills, and passion for what I love. We have a steady and solid clientele and our customers enjoy our chic atmosphere and attention to detail.
Financials:
Net Operating Income: $102,688 - Average Sales: $470,213
Although the revolving credit balance is moderate,?with the exception of two cards (which are paid in full each month), all other accounts are paid in full. Also consider that my credit score is high and that I have history of paying all of my accounts on time. I was informed by Prosper that my rating is HR because of student loans, which are nearly paid in full.
Please bid. I can and will repay this loan on time.
Contact me with Questions or Concerns. Thank You!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486469
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 19.68%  
Lender servicing fee: 1.00% Estimated return: 4.32%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1989 Debt/Income ratio: Not calculated
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,726Stated income:$25,000-$49,999
Delinquencies in last 7y: 19 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: ascoca Borrower's state: NewYork Borrower's group: BORROWERS - LARGEST 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
Selling Auto and Moving to NYC
Purpose of loan:
Selling used Chrysler and need $7500 to payback auto loan. Current payment is $627. After payoff for $11,800 my payback will be $298.20 for 36 months with prosper loan.
Expenses info:

Monthly net income: $3333

Monthly expenses:
??Housing: $725
??Utilities: $87
??Phone, cable, internet: $59
??Food, entertainment: $50
??Credit cards and other loans: $190

? Full Time Operations for Wall St. Training/ NYC. Income $40,000 per year plus quarterly commissions averaging 8% of sales, estimated $2200 (4 times per year). Final estimated salary, $48800. Will provide W9 form on request, please send a personal message.

? Selling my car to remove high interest loan 15.5% and repay debt, owed $10500 on auto. FICO good 660*(Experian), 730 (TU & EQ).
?*Note: have documentation for a removal of a old payoff loan from Chase and it is stuck on one report, Experian. Thus the only score below 720. Email me for my score documentation, I will verify on request. Please bid with confidence this money will be returned through due process of an online financial transaction and will be thereby insured by those parties on receipt of loan.

? Packback: Payback will be within 36 months. Payoff of loan estimated $337 per month. Solution to a current $627 car loan I want to eliminate and sell auto. Thank you for your cosideration. Personal message me for my email address and contact number.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1988 Debt/Income ratio: 26%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 3Employment status:Other
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:4y 11m
Amount delinquent: $1,123 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $482Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: precious-transparency1 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
need to catch up
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 486481
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 8 First credit line: Jan-1998 Debt/Income ratio: 18%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,279Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: progressive-p2p9 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
Holiday Season Help
Purpose of loan:
I'm simply requesting a loan to help with miscellaneous holiday season expenses, such as gifts and travel to family. My dog is also due for a regular vet checkup, and that is needed so I can board him when I travel to see my mother/aunt/grandmother out of state this Christmas... the boarding is a bit of an expense too. I believe I'm a good candidate due to my career and credit history. I have a solid job at a major ad agency (+4 years), so I'm well grounded from that standpoint. As far as finances, though I do have some revolving credit balance, you can see that I have no history of delinquencies at all over the past 7 years. I always make all my payments on time, and will have no problem here. Please give me your consideration, as I'm just looking to ease the burden this holiday season. Thanks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 10.57% Starting borrower rate/APR: 11.57% / 14.79% Starting monthly payment: $231.07
 
Auction yield range: 10.57% - 10.57% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-2002 Debt/Income ratio: 24%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 8Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,378Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: Yes  
Screen name: reverent-dollar9 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
wants to get debt free sooner
Purpose of loan:
This loan will be used to?to pay off all the card I used for college and the medical bill I have received for the year.

My financial situation: Is getting better every month and am looking forward to being free from the cards.
I am a good candidate for this loan because?I am in a stable job and with all the bill wrapped up in to one payment be able to pay more off.

Monthly net income: $3570

Monthly expenses: $ 3000 ruffly
??Housing: $1135
??Insurance: $101
??Car expenses: $450
??Utilities: $215
??Phone, cable, internet: $175 we don't have cable TV to save on costs.
??Food, entertainment: $400
??Clothing, household expenses $400 (I like goodwill I save)
??Credit cards and other loans: $6950 total

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.57% - 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: Jan-2000 Debt/Income ratio: 36%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 2 Current / open credit lines: 12 / 12Length of status:11y 5m
Amount delinquent: $442 Total credit lines: 52Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,661 
Delinquencies in last 7y: 0 Bankcard utilization: 115%  
   Homeownership: Yes  
Screen name: sweat56 Borrower's state: NorthCarolina 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
new heating
Purpose of loan:
This loan will be used to? heating unit
My financial situation:
I am a good candidate for this loan because? disable veteran @100%
income for life? an socialsecuitly.total income from va and social security net income 4,500 monthly
save me from cash call .credit report shows total credit lines 51 is wrong ,about 18


























































Monthly net income: $

Monthly expenses: $
??Housing: $ 895
??Insurance: $ 300
??Car expenses: $ 150
??Utilities: $ 200
??Phone, cable, internet: $ 115
??Food, entertainment: $ 200
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 1000
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486509
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2000 Debt/Income ratio: 15%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,433Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: sentimental-duty3 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate and get out of Debt
Purpose of loan:
Pay off Credit cards and become debt free.? I would like to change the way we live to Cash only or at the very least never carry any balance over 60 days.

My financial situation:
I always pay my bills on time and I intend to be debt free within a few years.? I also plan on paying extra each month to make this happen faster.

Monthly net income: $ 3600 - plus my wife also takes home about $3,400.00

Monthly expenses: $ 1575.00
??Housing: $ 500
??Insurance: $ 100
??Car expenses: $50
??Utilities: $ 200
??Phone, cable, internet: $75
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150 after this loan
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486521
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1979 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 820-839 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:17y 11m
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 486523
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,600.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.88% Starting monthly payment: $72.38
 
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: Nov-1991 Debt/Income ratio: 25%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:17y 2m
Amount delinquent: $0 Total credit lines: 54 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,752Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: ttaylo59 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 20 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2010)
660-679 (Jun-2010)
680-699 (Jul-2009)
620-639 (Aug-2008)
 
Principal balance: $2,029.25 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
auto use(HR?)Cscore is 660-679
Purpose of loan:
This loan will be used to get repairs done on car

My financial situation:
I am a good candidate for this loan because I Have a couple loans with prosper and never been late. I use automatic withdrawal from my checking.

I don't know why a HR rating. My credit is not low.

Monthly net income: $ 7500 after tax(between my husband an I)

Monthly expenses: $ We split all bills.
??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 486527
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $179.69
 
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: Nov-1993 Debt/Income ratio: 38%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,553Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: tremendous-community248 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
Wanting to pay off car loan...
Purpose of loan:
I would like to obtain a loan so I can pay off my car loan. The high payment is making things hard right now.

My financial situation:
Due to some life changes my income has been lowered. I have lost about 30% in income monthly. I live with my girlfriend, we are taking care of 4 children. A friend of mine told me of this site. I am giving it a chance. I took my car loan based on that higher income that I had at the time. I took a shorter term to pay it off quickly. I managed to pay off 73% of the loan. I am looking to pay off this loan and ease the load of this payment. The payment is bigger than any other expense that I have right now.

Monthly net income: $ 1,794.00

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 50
??Car expenses: $ 500
??Utilities: $ 50
??Phone, cable, internet: $ 50, just internet, no cable tv...
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 225
??Other expenses: $ 130 (Gas)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jun-2005 Debt/Income ratio: 14%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $924Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: fervent-deal0 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
Buying a new vehicle
Purpose of loan:
This loan will be used to purchase a vehicle for personal use.
My financial situation:
I am a good candidate for this loan because i make a decent amount of money per month and i diligently pay my bills on time.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 50
??Car expenses: $280
??Utilities: $ 100
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 90
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486541
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jul-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 8 / 6Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,240Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: wise-gold-exchanger 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
Raising funds for teen rock band
Purpose of loan:
I am a co-manager and co-writer for an all teen rock band called the Nukes. Since their inception?in the summer of '09, the Nukes have been featured in an award-winning documentary, have played the Troubadour on several occasions, have been Music Connection's critics' pick of the week twice, and recorded original material at Mad Dog Studios?with producer Bryan Carlstrom, who has produced and/or engineered for artists such as Offspring, Social Distortion, and Public Image Ltd. The five songs the Nukes recorded need to be mixed and mastered, and it is my objective to raise money for this to happen.?Please view this?music video - ?http://www.youtube.com/watch?v=4FKAFdoXJ-g?- and check out their trailer and bios at www.nukesmusic.com.

My financial situation:
I have?3 professional peers who can assist with repayment: a dentist, a lawyer, and a surgeon. I am financially stable enough to make monthly payments as I have very few expenses.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486569
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2002 Debt/Income ratio: 15%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 14 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,371Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: interest-happiness3 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
family vacation
Purpose of loan:
This loan will be used to?
take my family o na cruise
My financial situation:work F/T
I am a good candidate for this loan because?
147.62 is wee with in my budget
Monthly net income: $
4500-5600
Monthly expenses: $
??Housing: $1500
??Insurance: $150
??Car expenses: $500
??Utilities: $200
??Phone, cable, internet: $200
??Food, entertainment: $200
??Clothing, household expenses $0
??Credit cards and other loans: $300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486571
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Jul-1992 Debt/Income ratio: 70%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 48 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,975Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: wealth-utensil Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
inventory for auto dealership.
Purpose of loan:
BONDED AND INSURED DEALERSHIP WITH $75,000 SURETY BOND AND JUST NEED MORE INVENTORY WITH TITLES

My financial situation:
I am a good candidate for this loan because i'll be paying off this loan within a few months and i work for the IRS

Monthly net income: $ 2000.00

Monthly expenses: $ 1150.00
??Housing: $ 800.00
??Insurance: $
??Car expenses: $?0??Utilities: $ 100.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $?0??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486575
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: 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: Sep-2002 Debt/Income ratio: 36%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,406Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 106%  
   Homeownership: No  
Screen name: cougar776 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.
Description
Need funds for Graduate School
Purpose of loan:
This loan will be used to help pay for Graduate School.? I have used almost all of my financial aid available.
My financial situation:
I am a good candidate for this loan because although I have 40 credit lines open, the majority of them are my student loans.??Other than that I am able to make all?of?my payments on time.?

Monthly net income: $
2000
Monthly expenses: $
??Housing: $ 0
??Insurance: $?404
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 80
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $179.69
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 24.91%  
Lender servicing fee: 1.00% Estimated return: -8.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1998 Debt/Income ratio: 24%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 8Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 26 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,730Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: value-festivity0 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
Closing costs
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.