Listing Report:Supplement No. 108 dated Dec 06, 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 414449
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 60 months Estimated loss: 3.50%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 10.31% Starting monthly payment: $249.10
 
Auction yield range: 4.06% - 8.00% Estimated loss impact: 3.52%  
Lender servicing fee: 1.00% Estimated return: 4.48%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1988 Debt/Income ratio: 14%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,993Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: profit-compadre746 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
My father recently was diagnosed with cancer and he did not have medical insurance when we foudn out. We have since obtained medicare for my father and is now covered under medicare but we have incurred some medical expenses which we need to pay for. This loan will be used to pay for some medical bills and medication for his cancer treatment.

My financial situation:
I am a good candidate for this loan because I have a stable job, good income, and make it a priority to pay my bills on time.

Monthly net income: $6500

Monthly expenses: $
??Housing: $975
??Insurance: $76
??Car expenses: $680
??Utilities: $52
??Phone, cable, internet: $126
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $100
??Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 426473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,800.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $81.42
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1993 Debt/Income ratio: 41%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 6 Current / open credit lines: 11 / 10Length of status:9y 3m
Amount delinquent: $13,466 Total credit lines: 40 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,578Stated income:$25,000-$49,999
Delinquencies in last 7y: 19 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: teelcee Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 33 ( 100% ) 640-659 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
620-639 (Feb-2008)
 
Principal balance: $857.42 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Need to pay off some medical bills.
Purpose of loan:
This loan will be to pay off some medical bills..?

My financial situation:
I am a good candidate for this loan because I have been with Prosper for almost 3 years.? I have made all my payments on time.? My first prosper loan will be paid in full in February, 2010.? I am a single mom of an 9 year old boy and doing it all on my own. I have a full time job and work 40+ hours a week.? My first loan was to consolidate my credit cards.? My house was foreclosed on in July.? My loan was a variable rate loan and when the payments adjusted, I couldn't make the payments.? I tried everything I knew to get it refinanced with a fixed rate, but no one would help me.? I had no other choice but to let it go into foreclosure.? I rented a house in February 2009 and am current on my rent and my bills.? In July of this year, 2010, my son broke his arm and we are now receiving the bills for that.? My insurance, from my work, paid 80%, and my part is a little over $1800.? I have been trying to build my credit up as best that I can.? I plan to have most of my creditors paid off by February of next year.? I would appreciate anyone who would take the chance on me and help me out!

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 795
??Insurance: $ 68
??Car expenses: $ 440
??Utilities: $ 250
??Phone, cable, internet: $ 138
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $?350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 464289
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
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: 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-1994 Debt/Income ratio: 20%
Credit score: 600-619 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 6Length of status:5y 8m
Amount delinquent: $10,164 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $484Stated income:$100,000+
Delinquencies in last 7y: 19 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: PURPLEPROMISE Borrower's state: Alabama Borrower's group: Veteran Financial
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 89% ) 600-619 (Latest)
Principal borrowed: $7,500.00< 31 days late: 4 ( 11% )  
640-659 (Dec-2007)
740-759 (Apr-2007)
700-719 (Feb-2007)
640-659 (Dec-2006)
 
Principal balance: $13.68 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
PAY OFF TITLE LOAN
Purpose of loan:
This loan will be used to pay off title loan I had to get to pay for a major ($9200)?auto repair.?

My financial situation:
I am not going to say my credit history is great but prior to 2008 it was very good. Then we lost my wifes income and we had to adjust. I paid off all our credit cards but one. I?have been?working overtime for two years running to stay above water and we have.?We?have only one major debt,our?home and I made the mistake of get a loan modification, it has been a mess. Since my wife found work?I have been trying for 5 months to?get out off the program. but I don't think they know how to do it. I have been pasted to three different departments and still no result. I have been?sending the original amount but they are putting it in escrow, so I am showing behind thus the low credit score. I would have never gotten a title loan but I had no other option at the time.?????

Monthly net income: $ 7300.00

Monthly expenses: $ 4409.00
??Housing: $ 1743.00
??Insurance: $ 143.00
??Car expenses: $ 1073.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 250.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 472623
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 40.24% Starting monthly payment: $54.28
 
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-1997 Debt/Income ratio: 30%
Credit score: 620-639 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 17 / 16Length of status:5y 6m
Amount delinquent: $76 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $14,016Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: avonlady57 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
540-559 (Apr-2008)
 
Principal balance: $612.99 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Second eye surgery
Purpose of loan:
This loan will be used to?
pay for cataract surgery
My financial situation:
I am a good candidate for this loan because? I have a steady job. am a homeowner and not delinquent on this or any other bills.

Monthly net income: $ 3800

Monthly expenses: $?
??Housing: $ 535.00????
??Insurance: $?????325.00
??Car expenses: $ 535.00
??Utilities: $ 400.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 135.00
??Credit cards and other loans: $ 700.00
??Other expenses: $ 300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 479589
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 3.25%  
   
 
Starting lender yield: 9.55% Starting borrower rate/APR: 10.55% / 12.66% Starting monthly payment: $487.89
 
Auction yield range: 3.57% - 9.55% Estimated loss impact: 3.28%  
Lender servicing fee: 1.00% Estimated return: 6.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jun-2000 Debt/Income ratio: 20%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 33 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,411Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: LifeIsGoodHere Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 25 ( 100% ) 740-759 (Latest)
Principal borrowed: $24,300.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2010)
740-759 (Feb-2010)
680-699 (Sep-2008)
 
Principal balance: $2,414.56 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Cheers to Peer-to-Peer Lending
Purpose of loan:
This loan will be used to take current revolving credit balance to $0.? Cheers to prosper.

My financial situation:
I am a good candidate for this loan because?just look at my prosper history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 480377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $242.00
 
Auction yield range: 5.57% - 9.00% Estimated loss impact: 6.09%  
Lender servicing fee: 1.00% Estimated return: 2.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1996 Debt/Income ratio: 36%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,165Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: dime-matador 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
Credit 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 485349
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1987 Debt/Income ratio: 24%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,477Stated income:$50,000-$74,999
Delinquencies in last 7y: 48 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: discrete-trade3 Borrower's state: Vermont Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off bills
Purpose of loan:
This loan will be used to?pay off credit cards and improve my credit rating

My financial situation:stable
I am a good candidate for this loan because?I have a steady income in a good paying job, my payment will come directly out of my checking

Monthly net income: $ 3100.00

Monthly expenses: $?2500.00??Housing: $850.00
??Insurance: $77.00
??Car expenses: $600.00
??Utilities: $65.00
??Phone, cable, internet: $140.00
??Food, entertainment: $150.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $400.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485367
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.95% Starting borrower rate/APR: 19.95% / 23.34% Starting monthly payment: $278.54
 
Auction yield range: 10.51% - 18.95% Estimated loss impact: 11.25%  
Lender servicing fee: 1.00% Estimated return: 7.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1999 Debt/Income ratio: 28%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 64 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,187Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: top-favorite-wampum 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
Working Cap. for Therapy Practice
Purpose of loan:
This loan will be used to help fund a new family therapy practice. Its main purpose will be for working capital while my practice begins to grow.

My financial situation:
I am a good candidate for this loan because building my future for my family is important to me. I am currently a Licensed Professional Counselor with a master's degree in counseling. I am also a Ph.D. Candidate for a degree in Family Therapy. For those unfamiliar with the Ph.D. process, entering into Candidacy means that all coursework and testing is completed. All that remains is a research project/paper called a dissertation. Once this is completed, I will be a have a Doctor of Philosophy in Family Therapy. I have above and beyond the skills and training necessary for creating a successful therapy practice, which will help my practice be successful clinically, as well as financially. In my academic training, I had coursework in managing a therapy practice from the business end and I have also had experience as a small business manager. I have the ability to repay this loan, as I have a stable history of employment and my opportunities to increase my earnings with therapeutic and college teaching positions continue to increase as I progress academically.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486041
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Dec-1983 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $125,620Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: gentle-basis 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
www.DayTrading-Videos.com
Purpose of loan:
This loan will be used to? Complete the development and subsequent advertising of my new website which will target the thousands of people who perform over 500,000 searches per month (data from Google keyword search tool) on the subject of Day Trading. The site will be used to market a Video Tutorial on the subject of Day Trading I produced entitled ?The Six Key Principals to Successful Day Trading?. The cost to purchase a Viewing License for this Tutorial will be $497.00? Please visit my website (under construction) for additional information so that I may provide you with a better understanding of the huge potential this niche market offers.
Promo Video Should be up on the site by Dec 7.
My financial situation:
I am a good candidate for this loan because?My wife and I have never failed to meet any of out financial obligations, own our home which even in the current market has over 150k in equity. Our collective income alone can easily cover the payment on this loan and once my site is up and running, one sale per month will cover the cost of this loan. My expectation is 5-10 sales per month to start.

Monthly net income: $ 8500.00
Monthly expenses: Total is $6865.00
??Housing: $ 2400
??Insurance: $ 325
??Car expenses: $ 300
??Utilities: $ 250
??Phone, cable, internet: $ 160
??Food, entertainment: $ 1380
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1600 (includes Prosper payment ad equity loan)
??Other expenses: $ 200?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Oct-2001 Debt/Income ratio: 34%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:8y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,144Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: fund-magnate2 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
Cutting up the Cards!!!
Hi All,

I'am a great candidate because I payout $ 800 a month on credit cards & loans and if I get this loan I can
pay off all my existing debt and drop my payment to $ 135 a month which, I can easily do.

My job status is excellent, I've never been laid off and I just got promoted to Operations Manager 4 months ago.
My Prosper rating is HR because of useage on all of my debt, I pay all my cards on time with no delinquent marks on my credit history.

Total Income: $ 4,856.21

Total Expenses:

Mortgage:1229.21
Vehicle Loan: $575
Vehicle Insurance: $ 153
Utilities: $ 260
TV, Phone, Internet: $189
Groceries & entertainment: $ 675
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486343
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 60 months Estimated loss: 5.95%  
   
 
Starting lender yield: 16.90% Starting borrower rate/APR: 17.90% / 19.33% Starting monthly payment: $380.09
 
Auction yield range: 6.00% - 16.90% Estimated loss impact: 6.24%  
Lender servicing fee: 1.00% Estimated return: 10.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1989 Debt/Income ratio: 16%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $83,512Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: benjamins-pipeline 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
Consolidating Debt/Credit Cards
I am an attorney with a stable income. I would like use this loan to consolidate debt and pay off credit cards in 5 years instead of the 30+ years it would take if just minimum payments are made. These credit cards are the ones with the abnormally high interest rates attached. Payments to credit card companies have been current and up to date. Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486471
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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-1997 Debt/Income ratio: 28%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 9Length of status:24y 3m
Amount delinquent: $319 Total credit lines: 26 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,989Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: blazing-euro3 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
debt consolidation tina l
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 486535
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,700.00 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: $76.90
 
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-2002 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 2 Current / open credit lines: 12 / 8Length of status:3y 10m
Amount delinquent: $880 Total credit lines: 19 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,345Stated income:$1-$24,999
Delinquencies in last 7y: 12 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: red-exchange-wahoo Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Get my family back on it's feet
Purpose of loan:
This loan will be used to?pay off and consolidate debt

My financial situation:
I am a good candidate for this loan because? i am a diligent, hard-working mother who has suffered financial crisis since my fiance lost his job. With numerous bills due every-other day, I am left with nothing to save.

Monthly net income: $ 2100

Monthly expenses: $ 1850+
??Housing: $ 750
??Insurance: $ 260
??Car expenses: $ 277.36
??Utilities: $ 70.00
??Phone, cable, internet: $120.00
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486537
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Nov-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,117Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: loyalty-launcher 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
Audio Equipment Mfg Tradeshow Cost
Purpose of loan:
This loan will be used to pay for booth space and signage at the largest industry tradeshow where buyers and press come from all over the world to attend. THE NAMM SHOW This loan will also pay my travel expenses along with the design of a new website. Althought the deadline has past for exhibitors, there is pleanty of remaing space and it will be sold until the day of the show. Devlopment on my first product began just over 3 years ago. The product has been tested and improved to 100% of its potential. Top recording engineers and producers have used the product and will be endorsing it along with some of the most famous recording studios in the industry. This company is also founded on a green approach to manufactruing and the overall image is very positive. There are other opportunities for investment in the company if you are interested please contact me for all of the details.

My financial situation:
I am a good candidate for this loan because as you can see I have never had any marks on my credit history and have never missed a payment. I have put well over $30,000 of my own money into my bussiness already. I have been very careful each step of the way. I already have retail dealers stocking the product and have many contacts and relationships made in preperation for national and international distribution.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486621
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.51% Starting monthly payment: $63.27
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1993 Debt/Income ratio: 10%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 12Length of status:1y 2m
Amount delinquent: $210 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,903Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: red-peso-trombone Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt
Purpose of loan:
This loan will be used to pay off debt from divorce

My financial situation:
I am a good candidate for this loan because I ahve been with IBM full time or as a contractor since?2004 and have a strong income?

Monthly net income: $ 5600.00

Monthly expenses: $ 4061
??Housing: $ 1229
??Insurance: $ 900
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 152
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 680
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486645
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $237.21
 
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: Dec-1995 Debt/Income ratio: 12%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 3Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 29 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,404Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: first-worldly-affluence Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 780-799 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
720-739 (Dec-2009)
740-759 (Nov-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Wedding Loan
Purpose of loan:
This loan will be used for?my upcoming wedding.

My financial situation:
I am a good candidate for this loan because I currently have a great job as a civil engineer that provides steady income for my family. In this economy I feel very fortunate to have a career with plenty of job security. I have a long bright future with my current company.? Based on my history I?m a successful prosper borrower.? My record shows that all payments were made on time and I was actually able to pay the loan off earlier than expected.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486651
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $152.49
 
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: Dec-1983 Debt/Income ratio: 10%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,480Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: dr-ferret Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 47 ( 100% ) 820-839 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
760-779 (Jan-2010)
760-779 (Feb-2008)
780-799 (Jan-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 47  
Description
Training / Certification Licenses
Purpose of loan:
This loan will be used to fund certification and training programs to continue my journey to become a licensed official for the American Driving Society (ADS), which is the overseeing organization for horse and carriage driving competitions.? Thank you to Prosper Lenders for giving me a successful start for the learner program and allowing me to do the training and travel needed for the learner program and successfully achieving my first apprentice licenses as a Combined Driving Technical Delegate and a Pleasure Driving Technical Delegate.?Without Prosper I could not have achieved this first milestone!? ?I would now like to?continue through the ADS program to obtain my final licenses and certifications, which will allow me to earn supplementary income as a horse carriage driving official.

My financial situation:
I am a good candidate for this loan because I have already taken out and successfully paid off two?Prosper Loans with no delinquencies or problems.? These two loans funded the first phases of my training, and I am grateful!??I have had zero delinquencies on anything in the past five years.? I can also earn additional money by teaching summer school.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486659
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 14.53% Starting monthly payment: $49.07
 
Auction yield range: 3.57% - 9.95% Estimated loss impact: 3.53%  
Lender servicing fee: 1.00% Estimated return: 6.42%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1992 Debt/Income ratio: 9%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:16y 6m
Amount delinquent: $0 Total credit lines: 13 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,112Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: openness-orchid 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
pay property taxes
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486669
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 5 First credit line: Jul-1980 Debt/Income ratio: 29%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 32Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,488 
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: DBCS1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 77% ) 700-719 (Latest)
Principal borrowed: $10,200.00< 31 days late: 6 ( 23% )  
680-699 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Paying property Tax
Purpose of loan:
This loan will be used to? Purpose of loan:
This loan will be used to? Pay second installment 2009 property tax which was delayed this year and is falling on the Christmas holiday season.

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

My financial situation:
I am a good candidate for this loan because? I am very reliable and pride myself in having no late payments on any of my accounts including mortgage payments and credit cards. In July of 2010 I finished pre-paying a $10,200 3 year Prosper loan 8 months early. I was in a group called Christian Investors but it appears they are no longer an active group because they did not respond to my inquiries.This was my only other loan through Prosper and I will be glad to answer any questions regarding my current loan request. Please notice my credit credit score has improved and is above what it was 2 years ago when I wax was funded for my other Prosper loan. My net monthly income is my own and separate from my wife's income.

Monthly net income: $ 3,830

Monthly expenses: $ 3042
??Housing: $ 1400
??Insurance: $212
??Car expenses: $ 295
??Utilities: $250
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 400
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486683
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,450.00 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: $337.01
 
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-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: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,726Stated income:$50,000-$74,999
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
NEED $7450 FOR AUTO PAYOFF
Purpose of loan:
Selling used auto and payback auto loan.
Current monthly payment on used auto: $627 (50 months remaining)After prosper loan new monthly payment will be: $337.01 (36 months term)

My Expenses: (Please msg for more details or contact information)

Monthly net income: $3333 excluding quarterly bonuses

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

My Employment:
Full Time Operations IT Technology Dept. Wall St. Training NYC.

? 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.

? Prosper Packback: Payback will be within 36 months. Payoff of loan $337.01 monthly payment. 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 486695
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1998 Debt/Income ratio: 13%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 35 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 11 Revolving credit balance: $629Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: payment-rumbler0 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
Debt Consolidation
Purpose of loan:
This loan will be used to??
pay off credit card debt and the remaining balance on an existing?monthly orthodontist bill.
My financial situation:
I am a good candidate for this loan because?
I pay all?of my bills on time each month?and will do the same?with this personal loan if lenders are gracious enough to?bless me with the opportunity to do so!??
Monthly net income: $???2,400??????????????

Monthly expenses: $
??Housing: $ 1,100????????????
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $ 150????
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?100
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486699
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 14.50% Starting borrower rate/APR: 15.50% / 18.80% Starting monthly payment: $209.46
 
Auction yield range: 10.57% - 14.50% Estimated loss impact: 11.13%  
Lender servicing fee: 1.00% Estimated return: 3.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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: 23%
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 financial freedom soon
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 if all the bill were wrapped up in to one payment I would be able to get financial freedom sooner.

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.

??Credit cards and other loans: $6950 total

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486701
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.99% Starting borrower rate/APR: 19.99% / 23.38% Starting monthly payment: $278.69
 
Auction yield range: 16.57% - 18.99% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.37%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1990 Debt/Income ratio: 15%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 8 / 8Length of status:14y 5m
Amount delinquent: $0 Total credit lines: 34 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $19,867Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: parmotinc Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 4 ( 100% ) 660-679 (Latest)
Principal borrowed: $27,500.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2010)
700-719 (Nov-2009)
660-679 (Oct-2009)
660-679 (Sep-2009)
 
Principal balance: $0.18 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Police Officer Needing Your Help
Purpose of loan:
This loan will be used to? Purchase additional inventory for my automotive business.? I buy and sell cars of particular interest.?? I know you've seen?Police Officers working at a bank or directing traffic at a sports event, but I prefer to spend more time with my family and opened up a great business to grow and retire to.? Like Police?work, I love cars, all cars.? Thank You.? ??

My financial situation:
I am a good candidate for this loan because?
I am honest and trustworthy.? I live by my word.? You are not taking a risk with me, you will be paid back with interest.? I greatly appreciate everyone's help in this matter.? Thank You.??????????
Monthly net income: $6000.00

Monthly expenses: $
??Housing: $ 1483????
??Insurance: $ 95.00?
??Car expenses: $0
??Utilities: $200.00
??Phone, cable, internet: $0
??Food, entertainment: $100.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486703
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.90% Starting borrower rate/APR: 19.90% / 23.29% Starting monthly payment: $185.56
 
Auction yield range: 10.57% - 18.90% Estimated loss impact: 11.25%  
Lender servicing fee: 1.00% Estimated return: 7.65%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-2004 Debt/Income ratio: 21%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,698Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: thorough-integrity1 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
Purchasing an engagement ring
Purpose of loan:
This loan will be used to purchase an engagement ring for my girlfriend of four years.

My financial situation: I have been employed as an Operations Manager at a medical sales company since my graduation from college in December of 2008. I have received one raise and am due for another shortly. I am trying to finance this ring using the best available option so we can start our lives together.
I am a good candidate for this loan because?I graduated college in December of 2008 and started working at the company where I am still employed in January 2009. I am extremely dedicated to paying bills, such as my student loans, early or on time. I am reliable and have a steady income, which will undoubtedly increase in the near future.

Monthly net income: $2,800.00

Monthly expenses: $1,644.00
??Housing: $634.00
??Insurance: $100.00
??Car expenses: $440.00
??Utilities: $50.00
??Phone, cable, internet: $20.00
??Food, entertainment: $0
??Clothing, household expenses $0
??Credit cards and other loans: $400.00
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 13.07% Starting monthly payment: $327.15
 
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-1994 Debt/Income ratio: 13%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,559Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: safe-bid9 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486713
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2001 Debt/Income ratio: 2%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 0Length of status:21y 9m
Amount delinquent: $612 Total credit lines: 15 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: leverage-synapse3 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 bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486717
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: 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
Dogma
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 486719
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1994 Debt/Income ratio: 39%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 10Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,083Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: enthralling-commitment9 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 my credit cards.

My financial situation:
I am a good candidate for this loan because? i am about to start a second job and i will use that money to pay off my loan.

Monthly net income: $ 2500

Monthly expenses: $ 2000
??Housing: $ 1357.00
??Insurance: $ 100.00
??Car expenses:?150.00?
??Utilities: $ 150.00
??Phone, cable, internet: $ 35.00
??Food, entertainment: $
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 20.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,250.00 Prosper Rating: 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: $147.02
 
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-1994 Debt/Income ratio: 25%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,199Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: mikenzane 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2010)
680-699 (Nov-2009)
700-719 (Oct-2009)
 
Principal balance: $835.96 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Striving to get out of debt
Purpose of loan:
This loan will be used to pay off?3 credit cards. We have been reading Dave Ramsey book and we are really trying to pay off all our debit, and building our savings.
?on these 3 cards we pay roughy 421.00 a month with this new prosper loan our payment will be 147.02/month saving us $273.98/ month.
we plan on doing the snowball payoff, so with this savings we have aditioal 273.98/month we will put this on our other cards principal payoff that card sooner. And hopefully will be out of debit free within 1 year, and only have our Mortgage left.


I am a good candidate for this loan because?
My wife works as a nanny for a professional familythe youngest one has down sydrome, she?has been with them for over 6 years.They have became family so her income will remain.
I am a certified welder have been with my company for 7+ years also like my Job.
We have been married for 14 years with two boy's.


Monthly net income: $
Wife's income 2100.00/month
My income??????? 3200.00/ Month after taxes

Monthly expenses: $
??Housing: $ 1400.00/mortgage
??Insurance: $ 140.00
??Car expenses: $ 300.00
??Utilities: $ 200.00
??Phone, cable, internet: $?200.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $?421.00 WITH THIS LOAN THIS AMOUNT WILL DECREASE ABOUT?$273.98/MONTH (prosper loan will be 173.98/month instead of 421.00 a month)
??Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486733
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 18.57% Starting monthly payment: $51.92
 
Auction yield range: 5.57% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1972 Debt/Income ratio: Not calculated
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 3Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:26y 9m
Amount delinquent: $0 Total credit lines: 36Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $908 
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: spectacle526 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
putting in a new floor
Purpose of loan:
This loan will be used to refinish the floor? We rented it and they let pets ruin the floor.? It was 50+ years old and needed lots of?? work? any way ???????? My children have been making it livable for me ??? ?

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

Monthly net income: $ 1500.00

Monthly expenses: $ 500.00
??Housing: $ 300.00
??Insurance: $ 150.00
??Car expenses: $ 100.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486735
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,600.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $202.45
 
Auction yield range: 10.57% - 17.00% Estimated loss impact: 10.20%  
Lender servicing fee: 1.00% Estimated return: 6.80%  
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-2004 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 7 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,968Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: marzolan 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: 0 / 1 On-time: 3 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2010)
700-719 (Jul-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 3  
Description
Recent Graduate Kicking Debt
Purpose of loan: This loan is to consolidate assorted emergency and graduation related expenses (such as gown purchase, car repairs, and undergraduate thesis production) that have accumulated as credit card debt. The APR on the card in question is just above 17%, so it would not be worth my while to take a loan much above what is listed here.

About me: I have just graduated Magna Cum Laude with a Bachelor of Science in Engineering degree which goes a long way to showing my diligence and commitment to goals. In addition, my only committed monthly expense now is a $182 car payment, which leave most of my income free for debt repayment. I am currently looking for a job in my field and already have a number of promising leads that I hope will provide for a much higher income come the new year. I just need to free up the available funds for relocation until then.


My financial situation:
Monthly net income: $ 600

Monthly expenses: $ 282
??Housing: $
??Insurance: $
??Car expenses: $182
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ (cleared by loan)
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $135.55
 
Auction yield range: 5.57% - 12.40% Estimated loss impact: 5.16%  
Lender servicing fee: 1.00% Estimated return: 7.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-2001 Debt/Income ratio: 27%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,591Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: xjayx15 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 60 ( 100% ) 720-739 (Latest)
Principal borrowed: $9,501.00< 31 days late: 0 ( 0% )  
720-739 (Aug-2008)
720-739 (Jan-2008)
720-739 (Nov-2007)
680-699 (Jul-2007)
 
Principal balance: $954.95 31+ days late: 0 ( 0% )
Total payments billed: 60  
Description
Consolidating a few bills
Purpose of loan:
This loan will be used to consolidate a few bills I?have.
The main one is a credit card with a balance of $3000 at 23%.
Along with that?is a $400 medical bill and $400 left on a credit for wedding rings for my wife and I.( this is at 25.99%)
I am starting this loan at the recommended rate, however, I have been a prosper member for 3 years and have been a perfect member as far as payments go.
My first loan of $6001 i paid off 2 months early...my other loan of $3500 has about $900 left on it and i plan to have that paid off a few months early.
This loan will consolidate all of the rest of my debt.? With all of it put together, my goal is to pay this off at a maximum of 18 months, but I will be pushing for 12-14.
I strongly recommend this loan to lenders because my payment history has been perfect.
Thank you very much for you time and assistance.

My financial situation is very solid, I am just looking to consolidate the last of a few bills to make it easier to pay off quicker

Monthly net income: $
My income = 26k/year?? my wife? 45k/year
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 150
??Car expenses: $ 75
??Utilities: $ 0
??Phone, cable, internet: $ 70
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486745
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 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: $380.78
 
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: Aug-1999 Debt/Income ratio: 35%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 39 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,736Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: thoughtful-economy3 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card debt
Purpose of loan:
This loan will be used to? pay off credit card debt

My financial situation:
I am a good candidate for this loan because? I always make my payments and make them on time.

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 486751
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $13,800.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 8.00% Starting borrower rate/APR: 9.00% / 12.18% Starting monthly payment: $438.84
 
Auction yield range: 7.57% - 8.00% Estimated loss impact: 8.86%  
Lender servicing fee: 1.00% Estimated return: -0.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1994 Debt/Income ratio: 24%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 13Length of status:4y 4m
Amount delinquent: $2,159 Total credit lines: 30 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,342Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: favorite-basis6 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Liquidating all Credit Card Debt
Purpose of loan:
This loan will be used to pay off all of my outstanding Credit Card Debt. I was offered a 70 percent payoff of all accounts and I would lke to take it. It would save approximately 6000.

My financial situation:
I am a good candidate for this loan because, I always pay my bills on time, and my DTI would be well below 40 percent with this payment, and I would be debt free in 36 months. The delinquent debt listed above is in error, it is an account older than 9 years, which was paid off in full in 2005.

Monthly net income: $ 6100

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 300
??Car expenses: $ 0. I own all my 3?cars free and clear.
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486755
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 22.00% Starting borrower rate/APR: 23.00% / 25.28% Starting monthly payment: $193.55
 
Auction yield range: 5.57% - 22.00% Estimated loss impact: 5.34%  
Lender servicing fee: 1.00% Estimated return: 16.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1988 Debt/Income ratio: 9%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 18Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 80 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,039Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: karel_97005 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 / 6 On-time: 14 ( 82% ) 760-779 (Latest)
Principal borrowed: $19,600.00< 31 days late: 1 ( 6% )  
760-779 (May-2010)
700-719 (Oct-2009)
720-739 (Jul-2009)
700-719 (Apr-2009)
 
Principal balance: $0.02 31+ days late: 2 ( 12% )
Total payments billed: 17  
Description
Debet consolidation
Purpose of loan:
This loan will be used to make consolidate debt.

My financial situation: solid I have an excellent job.
I am a good candidate for this loan because I have been responsible with paying other loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486757
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 24.00% Starting borrower rate/APR: 25.00% / 30.97% Starting monthly payment: $39.76
 
Auction yield range: 16.57% - 24.00% Estimated loss impact: 25.38%  
Lender servicing fee: 1.00% Estimated return: -1.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jul-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:4y 9m
Amount delinquent: $254 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,594Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: roland1 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 / 2 On-time: 16 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2010)
640-659 (Mar-2010)
600-619 (May-2008)
540-559 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Advertising and Credit Repair
I have been using prosper loans to expand my advertising and improve my credit. Please help me to continue advancing myself and my business.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486765
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 28.00% Starting borrower rate/APR: 29.00% / 32.59% Starting monthly payment: $125.72
 
Auction yield range: 7.57% - 28.00% Estimated loss impact: 9.37%  
Lender servicing fee: 1.00% Estimated return: 18.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1993 Debt/Income ratio: Not calculated
Credit score: 800-819 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $588Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: Yes  
Screen name: generosity-kingdom 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 me with my college tuition!!!!
Purpose of loan:
This loan will be used to help pay for a winter class I DESPERATELY NEED to take in order to graduate early. I am currently a junior and behind 4 credits at NYU Stern School of Business, and I am registered for a winter class which I will be taking this coming January. The class costs $4,500, and I got a $2500 scholarship for that specific session. However I have a pending balance of $1000 for this current semester which I also need to pay off. I NEED TO PAY THESE FEE'S OFF BY DECEMBER 10th. Please I'm in desperate need of help, I currently got accepted into a Sales and Trading internship program so my next summer and winter are booked so I will not be able to take this class next summer or winter. If I don't graduate on-time I may become illegible for this great internship opportunity.

My financial situation:
I am a good candidate for this loan because I have a steady job at the U.S Dept. of Education, Federal Student Aid, and I just got a Sales and Trading Internship for this coming summer and next year's winter. My only monthly expenses are food, my cell phone bill and 1 credit card. I have some student loans in my name as well, but I do not start paying them off until 6 months after I graduate from NYU Stern School of Business ( I am currently a Junior, class of 2012). I will be working all year, so I know I will be having a steady stream of income.

Monthly net income: $ 2,400.00

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 0.00
??Car expenses: $ 0.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 40.00
??Credit cards and other loans: $ 10.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-1997 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 20Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 48 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,013Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: nickel-cycle0 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
Inventory for growing bar business
Purpose of loan:
This loan will be used to for inventory purchases for new business

My financial situation:
I am a good candidate for this loan because good cash flow business and can be secured by credit card receivables if needed

Monthly net income: $ 30000

Monthly expenses: $
??Housing: $ 1900
??Insurance: $ 200
??Car expenses: $0
??Utilities: $ 700
??Phone, cable, internet: $ 300
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486771
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1987 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 28 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: angswkr 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
Furniture for baby
Purpose of loan:
This loan will be used to? Have a 6 week old baby and would like to purchase furniture for her baby room.

My financial situation:
I am a good candidate for this loan because? I had to foreclose on my house over a year ago because my renter stopped paying his rent and would like to rebuild my credit. I would never default on a loan that would reestablish my credit.

Monthly net income: $ 1500.00

Monthly expenses: $ 600.00
??Housing: $ Husband pays
??Insurance: $ Husband pays
??Car expenses: $ 250.00
??Utilities: $ Husband pays
??Phone, cable, internet: $ Husband pays
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486775
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.78% Starting monthly payment: $55.75
 
Auction yield range: 16.57% - 19.00% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1994 Debt/Income ratio: Not calculated
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,449Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: goodhearted-value4 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off small credit card balanc
Purpose of loan:
This loan will be used to? pay off a small balance on a credit card

My financial situation:
I am a good candidate for this loan because? I am currently working two jobs.? I receive a regular monthly income of 1500 from one job and 1000-2000 from another.? I was not allowed to list, but my husband is also employed and makes approx $3000/month

Monthly net income: $ my net income is 2500/month

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 100
??Car expenses: $200 (no loans, just regular upkeep)?
??Utilities: $ 125
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $200
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486777
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1985 Debt/Income ratio: 12%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 33 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,383Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: community-backer2 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
Circle T Trucking
Purpose of loan:
This loan will be used to provide start-up funding for Circle T Trucking.?Circle T Trucking is a Limited Liability Company based in Texas.? It was founded in 2010. The Company is a trucking company that offers a service-oriented, cost-effective alternative to larger trucking companies and delivers equipment and supplies nationwide. Circle T Trucking has differentiated itself by offering unparalleled service and affordable rates. Currently Circle T Trucking has eight employees, one location serving Houston and surrounding counties, providing local distribution to cities across the nation.

Investment Opportunity:

Investors should consider these points when evaluating Circle T Trucking for investment purposes.????

Valuable relationships with major Oil Companies. The Company has established relationships with current clients already in place and is aggressively working to grow this list of clients. This growth is happening based on the confidence major manufacturers and distributors have in Circle T Trucking.??

Strong and scalable business model. The company's business model gives the company the ability to maintain flexible and customer-specific pricing which allows clients to save money and secure their bottom line.??

Extremely lean organization. With only 8 employees, the Company has one of the highest returns in the industry given its lean structure.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486783
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.00% Starting borrower rate/APR: 32.00% / 35.65% Starting monthly payment: $326.66
 
Auction yield range: 13.57% - 31.00% Estimated loss impact: 15.62%  
Lender servicing fee: 1.00% Estimated return: 15.38%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-2001 Debt/Income ratio: 35%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,919Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: noble-capital8 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
Carey's Debt Consolidation
Purpose of loan:
This loan will be used to help my significant other and I catch up on bills while she is finishing college
My financial situation:
I am a good candidate for this loan because I am very responsible with my finances and make?my payments on time

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 250.00
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1000
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $185.82
 
Auction yield range: 10.57% - 19.00% Estimated loss impact: 11.25%  
Lender servicing fee: 1.00% Estimated return: 7.75%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1995 Debt/Income ratio: 20%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 5Length of status:0y 3m
Amount delinquent: $62 Total credit lines: 15 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,669Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: green-exact-penny 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
Family Needs to cover Moving Costs
Purpose of loan:
My family(my wife, myself, my 2.5 year old daughter, and our dog) will be using this loan to cover the costs of moving into a new apartment.? The costs include relocating our POD from Philadelphia, where we formerly lived, to NY, movers, security deposit, and incidental costs of moving. We moved to New York around Christmas of 2009, when I found a job as a Stockbroker.? Since then, my wife has obtained a high school teaching position, and I am now a Delegate Sales Finance Manager for an International Professional Development and Business Event company.

My financial situation:
I am a good candidate for this loan because my wife and I earn over $90000/year in base salary.? In addition, she coaches basketball and tutors on the side.? Since we have both started new jobs in September, we have not been able to put together the initial upfront costs to move out of her parents house.? However, my commissions have not started to be paid yet, but will be starting in January.? With our additional income, on top of the base salaries, we will be able to pay off this loan in a matter of 3-4 months, without issue.

Monthly net income: $ 7100

Monthly expenses: $ 6480
??Housing: $ 1700, after moving(currently $0)
??Insurance: $ 190
??Car expenses: $ 550
??Utilities: $ 150, after moving(currently $0)
??Phone, cable, internet: $ 75, after moving(currently $0)
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 2000, partially including servicing this loan.
??Other expenses: $ 1275
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486791
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $161.34
 
Auction yield range: 5.57% - 9.00% Estimated loss impact: 6.09%  
Lender servicing fee: 1.00% Estimated return: 2.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-2000 Debt/Income ratio: 23%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,752Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: aro27 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
Consolidation of Credit Cards
Sorry for needing to relist. I did the math again and that interest rate did not help me as much as I first calculated. Sorry to reduce it so much but this is better for me. I also lowered the amount due to some extra funds I am receiving in January which will help a lot.

Consolidating cards. Never been late for any payments. The only reason my credit score was lowered was because during the recession my creditors lowered all my limits which jumped up my credit utilization ratio. It used to be 5% and now it is 26% and I haven't increased any of the balances. This loan will be a huge help with monthly payments and free up some extra cash every month. I really appreciate it.

Monthly net income: $ 3000.00 fiance is adding on $3300.00. Total is $6300.00 but we do invest in our 401k and other investment options for the kids.

Monthly expenses: $ 2350/ 3550.00 total with fiances expenses
Housing: $ 1800 both of us are paying so my half is 900 darn california living expenses
Insurance: $ 150
Car expenses: $ 200 / mainly gas and oil changes
Utilities: $ 50
Phone, cable, internet: $ 150
Food, entertainment: $ 200
Clothing, household expenses $ 200

My job is very stable. I am looking to get a promotion by the end of the year.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486793
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: A Auction Duration: 7 days
Term: 36 months Estimated loss: 3.50%  
   
 
Starting lender yield: 9.95% Starting borrower rate/APR: 10.95% / 14.53% Starting monthly payment: $49.07
 
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-2001 Debt/Income ratio: Not calculated
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,367Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: inventive-marketplace6 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
Pay off a credit card.

My financial situation:
I am a good candidate for this loan because?
I'm on time with all my other payments and my credit is good.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486795
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1999 Debt/Income ratio: 50%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 7Length of status:10y 7m
Amount delinquent: $445 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $410Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: ideal-velocity3 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off bills. Have a new baby.
Purpose of loan:
This loan will be used to?
Pay off so bills i have. We have a new baby.
My financial situation:
I am a good candidate for this loan because?
I work hard for ever thing that i have.
Monthly net income: $
2,232.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 155.00
??Car expenses: $ 300.00
??Utilities: $ 100.00
??Phone, cable, internet: $
??Food, entertainment: $ 150.00
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 20.00% Starting borrower rate/APR: 21.00% / 26.82% Starting monthly payment: $37.68
 
Auction yield range: 16.57% - 20.00% Estimated loss impact: 25.13%  
Lender servicing fee: 1.00% Estimated return: -5.13%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1983 Debt/Income ratio: 23%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,791Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: hallie70 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2008)
 
Principal balance: $314.64 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
purchase a new laptop computer
Purpose of loan:
This loan will be used to?Purchase a quality laptop for my? new real estate business?

My financial situation:
I am a good candidate for this loan because I have not had a late payment since 2003. At that time I became involved a a debt collection scam which ruined my credit history.? Since that time I have always met my financial obligations?

Monthly net income: $ 2600

Monthly expenses: $ 2247
??Housing: $ 931
??Insurance: $ 100
??Car expenses: $ 150
??Utilities: $ 141
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 550
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486801
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 31.20% Starting borrower rate/APR: 33.20% / 36.88% Starting monthly payment: $331.67
 
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): 5 First credit line: Sep-2007 Debt/Income ratio: 28%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 22Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,882Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: velocity-electron7 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
personal use
Purpose of loan: personal use/sickness in the family????
This loan will be used to?

My financial situation: i have not been delinquent in my bills
I am a good candidate for this loan because?

Monthly net income: $5,000.00

Monthly expenses: $
??Housing: $ 680.00
??Insurance: $ 200.00
??Car expenses: $ 450.00
??Utilities: $ 40.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 30.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $126.53
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1987 Debt/Income ratio: 45%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,114Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: professional-asset 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
helping child with college
Purpose of loan:
This loan will be used to? help my daughter with school and pay off some debts of mine

My financial situation:
I am a good candidate for this loan because? i also have a husband to help me with my bills

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 100
??Car expenses: $ 125
??Utilities: $?0
??Phone, cable, internet: $ 140
??Food, entertainment: $ 100
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 400
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486807
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.75% Starting borrower rate/APR: 22.75% / 26.20% Starting monthly payment: $289.35
 
Auction yield range: 10.57% - 21.75% Estimated loss impact: 10.33%  
Lender servicing fee: 1.00% Estimated return: 11.42%  
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): 6 First credit line: Jun-1985 Debt/Income ratio: 34%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 12Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 33 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $162,288Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: surge09 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
740-759 (May-2010)
 
Principal balance: $2,556.56 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Pay off debt for Christmas!
Purpose of loan:
This loan will be used to eliminate highest interest credit cards and to start paying?them down..

My financial situation:
I am a good candidate for this loan because I do not miss payments. Never have, never will.

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 486811
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 5.57% Starting borrower rate/APR: 6.57% / 8.63% Starting monthly payment: $306.81
 
Auction yield range: 5.57% - 5.57% Estimated loss impact: 6.02%  
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): 8 First credit line: Dec-2006 Debt/Income ratio: 17%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,128Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: spiritual-gold8 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
Moving from California to Colorado
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 486815
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1998 Debt/Income ratio: 13%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,377Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: responsibility-chomper9 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Family Emergency on Amex Due
Purpose of loan:
This loan will be used to? pay my upcoming Amex used to cover recent family emergencies.
My financial situation:
Very stable, six years same employer.? Extraordinary family expenses now due on Amex - otherwise pretty wealthy.? Recently put savings into the purchase of a home and was caught off guard when my extended family was in trouble.? Usually have at least this amount in savings with open balances on credit cards.
Monthly net income: $ 11,500
Monthly expenses: $ 9,700
? Housing: $?4000
? Insurance: $ 400
??Car expenses: $?600
? Food, entertainment: $?1200
? Credit cards:? $ 1500
? Graduate student loans, $2,000
? Other expenses: $ Amex $10K due in a month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486821
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1998 Debt/Income ratio: 29%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,006Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: dj44 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: 0 / 2 On-time: 18 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,900.00< 31 days late: 0 ( 0% )  
780-799 (Jan-2010)
800-819 (Sep-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Time to pay the Tax man
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 486825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jun-1994 Debt/Income ratio: 32%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,006Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: LittleKellyD Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 97% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 1 ( 3% )  
620-639 (Oct-2010)
600-619 (Sep-2009)
600-619 (Feb-2008)
 
Principal balance: $552.37 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Debt Consolidation Further Help
Purpose of loan:
This loan will be used to? Payoff a 50% rate loan, and have the timing belt replaced on my 2004 Honda Civic.

My financial situation:
I am a good candidate for this loan because? of my background with the existing loan that I have, and my employment history.?I had one issue with my current loan, and it was resolved the following week.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 0 Husband handles it
??Insurance: $
??Car expenses: $ 250
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Oct-1994 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,986Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: rate-740 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying auto repairs and credit card
Purpose of loan:This loan will be used to fix my car so i can get a better job and pay down my credit card faster

My financial situation is o k but a little improvement with this loan would make it better. My condo is also paid for.

My credit card is at 12.9 %, my car is paid for but is having problems with steering and front brakes need to be replaced.

I am a good candidate for this loan because i want to be debt free by 2012/2013.

Monthly net income: $1640.00

Monthly expenses: Housing: $300/ month

Insurance: home $33/ month ;car and motorcycle $85/ month

Car expenses: oil changes every other month and preventive maintenance $150

Utilities: $145/ month

Phone, cable, internet: $140

Food : $150 ; entertainment 25 / month

Clothing, household expenses $15/ month

Credit cards and other loans: $170 / month

Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486851
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $16,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.55%  
   
 
Starting lender yield: 7.00% Starting borrower rate/APR: 8.00% / 8.34% Starting monthly payment: $501.38
 
Auction yield range: 2.57% - 7.00% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jun-1999 Debt/Income ratio: 9%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,931Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: first-commerce-force 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
Refinancing a Personal Loan
Purpose of loan:
This loan will be used to pay off a Bank of America personal loan that is outstanding at approximately 17% that I took out in order to finance the refurbishing of a 32 unit multifamily apartment building that my wife and I own.

My financial situation is very good. I have a $230,000 salary as an attorney at Gibson, Dunn & Crutcher and expect to also receive a $25,000 bonus this year. My wife and I own a 32 unit multifamily apartment building that is 90%+ occupied and is cash flow positive. I have never purposely been late on any loan or debt payment or payment of any bills. In addition, my wife and I each have $60,000+ 401ks and approximately $30,000 in bank accounts and equity markets.
I am a good candidate for this loan because my financial situation is very good, I always pay my obligations when due, and have a relatively high paying and stable job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 10.51% Starting borrower rate/APR: 11.51% / 14.73% Starting monthly payment: $247.36
 
Auction yield range: 10.51% - 10.51% Estimated loss impact: 11.02%  
Lender servicing fee: 1.00% Estimated return: -0.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1996 Debt/Income ratio: 24%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,408Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: werewolf678 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
Inventory for the holiday season
Purpose of loan:
Fund inventory for holiday season.

My financial situation:
I work full time plus own a liquor business, I am looking to pay some debt fast before the holidays start.

Monthly net income: $
5,500

Monthly expenses: $
??Housing: $ 1,400
??Insurance: $
??Car expenses: $ 600
??Utilities: $ 75.00
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $253.07
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2006 Debt/Income ratio: 35%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $984Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: tender-treasure3 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Major purchase loan
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because I plan to pay off the loan in less than a year.

Monthly net income: $

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 135
??Food, entertainment: $ 60
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jul-1990 Debt/Income ratio: 9%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 8Length of status:4y 9m
Amount delinquent: $3,956 Total credit lines: 50 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $343Stated income:$100,000+
Delinquencies in last 7y: 21 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: jmart30702 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2010)
700-719 (Jan-2010)
720-739 (Dec-2009)
720-739 (Nov-2009)
 
Principal balance: $1,605.78 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Paying off more credit cards
Purpose of loan:
This loan will be used to? Paying off more credit cards

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

Monthly net income: $ 6800

Monthly expenses: $
??Housing: $ 2500
??Insurance: $?75
??Car expenses: $ 400
??Utilities: $ 160
??Phone, cable, internet: $ 200
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 160
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486875
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $87.33
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1994 Debt/Income ratio: 31%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 37 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,894Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: currency-boss5 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need a vacation
Purpose of loan:
This loan will be used to pay down debt and take a vacation

My financial situation:
I am a good candidate for this loan becaus I always pay my bills.

Monthly net income: $ 1700

Monthly expenses: $
Housing: $ 350
Insurance: $ 16
Car expenses: $ 0
Utilities: $ 70
Phone, cable, internet: $ 161
Food, entertainment: $ 150
Clothing, household expenses $ 50
Credit cards and other loans: $ 500
Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-2006 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 7Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,956 
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: commerce-universe 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
Moving expenses
Purpose of loan:
This loan will be used to pay off credit card debt and help me with moving expenses.

My financial situation:
I am a good candidate for this loan because. I'll be getting a student loan in January which will help me pay this back. I need this loan immediately because I have to move and pay an application fee for my housing as well as a cancellation fee for terminating my lease. I won't be getting my student loan until January and then I'll be fine to start paying back. Just need a bit of help up until then.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $218.33
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1992 Debt/Income ratio: 29%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,735Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: asset-cleansing 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
Loan for Job
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 486887
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Apr-1997 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 2 / 2Length of status:5y 9m
Amount delinquent: $6,237 Total credit lines: 9 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: dysprosium Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan:
To pay off credit card debt and rebuild credit.

My financial situation:
I have good income and I will have no problem paying off this loan.

Monthly net income: $ 5500

Monthly expenses: $?1730
??Housing: $ 650
??Insurance: $ 200
??Car expenses: $ 50
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 180
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Aug-2000 Debt/Income ratio: 17%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,877Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: funds-raker7 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off credit cards

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

Monthly net income: $ 6100

Monthly expenses: $ 4125
??Housing: $?2300
??Car expenses: $ 325
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 500

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486893
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Mar-1984 Debt/Income ratio: 22%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 1 Current / open credit lines: 12 / 11Length of status:0y 5m
Amount delinquent: $1,716 Total credit lines: 49 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,234Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 108%  
   Homeownership: Yes  
Screen name: kindness-trapper Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off bills
Purpose of loan:
This loan will be used to pay off some existing bills

My financial situation:I am applying for this loan because we need to consolidate some bills into one payment.We have a net income of $5843 a month,more than enough to pay for the loan.We could pay most of our remaing cards and bill off..net income:
$5843
Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 224
??Car expenses: $ 100
??Utilities: $ 600
??Phone, cable, internet: $?180
??Food, entertainment: $ 800
??Clothing, household expenses Credit cards and other loans: $?500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $71.87
 
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): 6 First credit line: Mar-1984 Debt/Income ratio: 11%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 4Employment status:Other
Now delinquent: 7 Current / open credit lines: 5 / 3Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 7 Revolving credit balance: $662Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: kind-sunny-responsibility Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
freds furniture
Purpose of loan:
This loan will be used to?purchase furniture for my son who will be getting out of the military and buying his 1st home

My financial situation:
I am a good candidate for this loan because?I am retired/disabled with good income, most of which is put up for future medical once age 65 is reached and disability is no longer paying, so ability to repay over short period of time is not a problem.

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 486899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $231.98
 
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-1984 Debt/Income ratio: 16%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:21y 4m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,200Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: efficient-commerce4 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to? consolidate some debt

My financial situation:
I am a good candidate for this loan because? credit score good-payment can be deducted from my bank account.No delinquent accounts.I have always paid what I owed to my debtors.Hopefully this will put all of remaining bills into one payment.Thanks for your consideration.My husband pays for most of the bills except the ones that I have listed.

Monthly net income: $ 3128

Monthly expenses: $
??Housing: $?0
??Insurance: $ 0
??Car expenses: $ 400
??Utilities: $?0
??Phone, cable, internet: $ 80
??Food, entertainment: $1000
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,300.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.82% Starting monthly payment: $58.81
 
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-1999 Debt/Income ratio: 15%
Credit score: 600-619 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 6 Current / open credit lines: 4 / 5Length of status:12y 1m
Amount delinquent: $2,954 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $935Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: DJ- Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 35 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
600-619 (Nov-2009)
600-619 (Aug-2009)
540-559 (Jul-2008)
 
Principal balance: $746.42 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Paying off Medical/DR's Charges
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 486907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1991 Debt/Income ratio: 48%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 4 Current / open credit lines: 13 / 12Length of status:5y 3m
Amount delinquent: $623 Total credit lines: 42 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,206Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: flexible-trade241 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
home improvement
Purpose of loan:
This loan will be used to? improve my home?value

My financial situation:
I am a good candidate for this loan because? because I have excellent credit?and strong source of income?

Monthly net income: $ 4542.00

Monthly expenses: $
??Housing: $ 1076
??Insurance: $ 300
??Car expenses: $ 550
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 25
??Credit cards and other loans: $1900
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,349.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $235.95
 
Auction yield range: 16.57% - 19.00% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1999 Debt/Income ratio: 24%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,859Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: integrity-protector 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
Change Length of Personal Loan
Purpose of loan:
This loan will be used to pay a personal loan I took out a few months ago that used my 5 & 1/2 year old car for collateral over the course of a 5 year loan.?

My financial situation:
I am a good candidate for this loan because I work?2 jobs.? My?full-time job?I've been at for almost 14 years?(this coming January) and my part-time job I've been at for 7 & 1/2 years.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486913
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 36.28% Starting monthly payment: $65.50
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1995 Debt/Income ratio: 35%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,237Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: best-hope-widget Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off medical bills
Purpose of loan:
This loan will be used to? pay off medical loans

My financial situation:
I am a good candidate for this loan because? I am able to make payments

Monthly net income: $ 3300

Monthly expenses: $
??Housing: $ 865
??Insurance: $ 60
??Car expenses: $ 415
??Utilities: $ 125
??Phone, cable, internet: $ 30
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 60
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486925
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $203.56
 
Auction yield range: 16.51% - 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-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 24 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,330Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: dinero-ceasar9 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off credit cards

My financial situation:
I am a good candidate for this loan because I am looking to pay off sooner rather than later.

Monthly net income: $5000

Monthly expenses: $
??Housing: $ 2600
??Insurance: $100
??Car expenses: $ 100
??Utilities: $200
??Phone, cable, internet: $ 100
? Food, entertainment: $100
??Clothing, household expenses $ 150
??Credit cards and other loans: $300
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,700.00 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: $257.85
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:0y 6m
Amount delinquent: $18,156 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,374Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: yahaveh Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 68 ( 100% ) 680-699 (Latest)
Principal borrowed: $8,900.00< 31 days late: 0 ( 0% )  
760-779 (Oct-2010)
660-679 (Jan-2008)
540-559 (Dec-2007)
(Mar-2006)
 
Principal balance: $326.40 31+ days late: 0 ( 0% )
Total payments billed: 68  
Description
Pay Off Medical Bills
Purpose of loan:
This loan will be used to?pay-off?medical bills comprising of?deductibles and extra testing.?

My financial situation:
I am a good candidate for this loan because?my wife and I both work and have good income-to-debt ratios. Besides house payment, we have no car payments,?no student loans, and we keep low credit card balances under $500.?Delinquent amount on record is an old debt from 2006?that is a charge off. Creditor refused to work out a payment solution over time.?Collection agency tried to collect for more than the original balance. I refused, and they submitted 4 derogatory entries on bureaus. Currently under review for legal options against this agency. Settlement was reached with a second agency.

Monthly net income: $ 4,500.00

Monthly expenses: $ 3345.00
??Housing: $ 1970.00
??Insurance: $ 150.00
??Car expenses: $ 0.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 375.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $ 150.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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): 5 First credit line: Jun-2001 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 16 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,013Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: borroworlend Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate My Credit Cards
Purpose of loan:
This loan will be used to pay off and consolidate some credit card debt that I have been aggressively trying to get rid of for the past 2 years or so.

My financial situation:
I am a good candidate for this loan because I have recently graduated from college with 2 bachelor's degrees and currently have two jobs, both of which are in my field of study.

I made some mistakes in the past and used to be one of those people who figured as long as I had enough to make my minimum payment that I could still use my card and spend money. However, that caught up to me, I missed a couple of payments, and for the last 2 years I have been paying significantly more than my minimums and not adding any new debt to my credit cards. When things caught up to me, I missed a few payments on one of my credit cards, prompting them to close my account and raise my interest rate. This caused my credit rating to decrease and as the economy tumbled my other credit cards took noticed and did the same thing. Lately, the interest rates have been killing me (at 29.99%) and I would just like to get a couple of these paid off and be done with them.

I've learned my lesson, but now I need to finish getting myself out of this hole I have dug. I'm hoping to get this Prosper loan at a rate lower than my credit cards are charging me so that I can get things paid off faster than the path I have been on. Also, I'd rather give the interest to individuals on Prosper than the credit card companies like I have been.

Monthly net income: $ 2,000.00

Monthly expenses: $
??Housing: $ 355.00
??Insurance: $ 75.00
??Car expenses: $ 150.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 800.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1989 Debt/Income ratio: Not calculated
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $888Stated income:$1-$24,999
Delinquencies in last 7y: 9 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: inventive-funds4 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to? pay off the last of our credit card debt.

My financial situation:
I am a good candidate for this loan because? we've gone through a rough couple of years due to a business failure and our son's medical needs. We are back on track now, and this is the last of the debts owed. We've?paid off over $200000 in debt over the past 36 months.?Total household income is over $100000 annually, but this debt is mine and so am attempting to take care of it without effecting my husband's credit further.

Monthly net income: $ 5667

Monthly expenses: $?5289
??Housing: $ 1875
??Insurance: $?600
??Car expenses: $ 450?
??Utilities: $ 325
??Phone, cable, internet: $ 284
??Food, entertainment: $ 500
??Clothing, household expenses $ 150
??Credit cards and other loans: $?1105
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $158.33
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-1999 Debt/Income ratio: 9%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:4y 7m
Amount delinquent: $868 Total credit lines: 22 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $265Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: a-extraordinary-dollar Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Looking For Assistance
Purpose of loan:
Help Out Daughter, Help is Really Needed

My financial situation:
I work hard and always pay my debt

Monthly net income: $

Monthly expenses: $
??Housing: $ 897
??Insurance: $ 79
??Car expenses: $ 450
??Utilities: $ 400
??Phone, cable, internet: $ 250
??Food, entertainment: $ 1
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $206.14
 
Auction yield range: 10.51% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-1997 Debt/Income ratio: 21%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:22y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,659Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: Shark1056 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
620-639 (Sep-2010)
640-659 (Aug-2010)
660-679 (Sep-2009)
660-679 (Aug-2009)
 
Principal balance: $2,470.09 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Debt consolidation and used car
Purpose of loan:
This loan will be used to? Consolidate my credit cards down to one payment and to buy a used car for my daughter who is in college...

My financial situation:
I am a good candidate for this loan because? I will be paying off over $600 a? month in payments and putting them all into one payment.? I have had my first prosper loan over a year with all payments on time.? I am trying to consolidate debt so I can help my 2 children with their college tuitions and books.? My family and I would greatly appreciate you to consider us for your investment.? We would rather pay our peers on Prosper then give the money to large financial institutions.? Thank you for your time.

Monthly net income: $ 6200????

Monthly expenses: $ 3000
??Housing: $ 1250
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 180
??Phone, cable, internet: $ 70
??Food, entertainment: $ 400
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 450
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $339.27
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1993 Debt/Income ratio: 34%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:20y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,150Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: commerce-explosion6 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 all credit cards & misc
Purpose of loan:
This loan will be used to? pay off all existing debt

My financial situation:
I am a good candidate for this loan because? I have had my job for 20 years and have excellent job security.

Monthly net income: $ 1917.36

Monthly expenses: $?1066.00
??Housing: $ 442.45 - pay 1/2 of mortgage
??Insurance: $ 100.00 - pay 1/2 of insurance
??Car expenses: $?262.00 - pay 1/2 of car pymt
??Utilities: $ 0 - paid by spouse
??Phone, cable, internet: $ 0 - paid by spouse
??Food, entertainment: $?200
??Clothing, household expenses $?50
??Credit cards and other loans: $ 100
??Other expenses: $ 0????
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,300.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.74% Starting monthly payment: $77.94
 
Auction yield range: 5.51% - 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: May-1995 Debt/Income ratio: 14%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:35y 3m
Amount delinquent: $0 Total credit lines: 11Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $655 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: sundaepacket2 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 16 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
740-759 (Jul-2010)
660-679 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
New dental partial,Gasrange fridge,
Purpose of loan:
This loan will be used to ..purchase dental partial,refrigerator,gas range
my spouse's upper dental relined.
My financial situation:
I am a good candidate for this loan because? My wife and I are retiered, and veterans,with fixed incomes.

Monthly net income: $ 2284.00

Monthly expenses: $
??Housing: $ 462.20
??Insurance: $ 0
??Car expenses: $ 25.00
??Utilities: $ 125.00
??Phone, cable, internet: $ 112.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 120.00
??Credit cards and other loans: $ 143.21
??Other expenses: $ 75.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,200.00 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: $134.97
 
Auction yield range: 10.51% - 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: Oct-1999 Debt/Income ratio: 14%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 5 / 4Length of status:6y 2m
Amount delinquent: $4,251 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,985Stated income:$25,000-$49,999
Delinquencies in last 7y: 37 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: reward-tamarack4 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Looking to get her to say yes...
Purpose of loan:
This loan will be used to finance an engagement ring. I plan to pay the loan off well before the 3 year term. I would just like to be able to propose to her in the next two months.

My financial situation:
Despite my misgivings in the past due to Hurricane Katrina putting me out of work at the time, I have not missed a payment on any obligations in several years and always pay on time and most of the time I pay more than the minimum required.

Monthly net income: $ 2700

Monthly expenses: $
??Housing: $ 725
??Insurance: $ 120
??Car expenses: $ fuel: 65
??Utilities: $ 55
??Phone, cable, internet: $65
??Food, entertainment: $ 225
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 175
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486973
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.51% - 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: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:22y 5m
Amount delinquent: $0 Total credit lines: 39 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,396Stated income:$50,000-$74,999
Delinquencies in last 7y: 39 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: established-contract7 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating
Purpose of loan:
This loan will be used to pay off car loan of $3500.00 pmt of $216 mo.
i had given this car to my daughter who was in need . She lives 1500 miles from home. I did not relize she could not get insurance on the car because the loan was in my name. I do not want her?to finance the loan because she is already paying for college loans for her medical career and she has a family. I was trying to help her out. The insurance on the car only covers me and my wife. Paying this off would allow my daughter to carry her own insurance and save me an additional $74.00 mo.

My financial situation:
I am a good candidate for this loan because my wife and I make a good income of about $90k yr. We have paid off three car loans since our bankruptcy in 2006 (lost a 18 yr business due to bad economy in home state).? brought my credit score up to 600+ from 425?paying our obligations is a priority?for me, I never missed a rent payment on housing. We sold or did whatever it took to get back on our feet. That why our score is low. the rest of the loan would pay off small credit card debt of about $1300.00 at $29.99% we used to help reestablish credit. My current business has been growing at 25%+ per year over the last 3 years.

Monthly net income: $ $5000? myself only? my wife also helps pay obligation with additional income of $2200 mo. net

Monthly expenses: $ 3484.00
??Housing: $ 1353
??Insurance: $ 244?? would reduce by $74 mo after paying off car loan
??Car expenses: $ $743? would reduce by $216 after paying off car and would cover prosper loan
??Utilities: $ 124
??Phone, cable, internet: $ 125
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 65
??Other expenses: $ 380 toll fees and gas
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,100.00 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: $95.00
 
Auction yield range: 16.51% - 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
Need help with my medical bills
Purpose of loan:
On July 3rd of this year, while cleaning the gutters, I fell off a ladder and ended up breaking the L1 and L3 vertibrate on my spine.
Insurance, unfortunately, did not end up covering much of my treatment.
I currently owe over $2000 in medical bills (after already paying off $1200 from savings) and wish to not fall into debt.
This money would help greatly in my time of need.

My financial situation:
I am a good candidate for this loan because I am very promp with payments.
My credit history only dates back to January of 2010 (hence the HR Prosper Rating) but my credit score is already?670 and continues to rise.
I have never missed a single payment on anything and even pay more than the monthly payment when possible.
I am not in any sort of debt currently and hope to stay that way.
My income is steady and consistant.
I currently live with my parents and give a good portion of my paycheck to them to help them from falling behind on mortgage payments.

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)



I am a very well organised person and my goal is to pay off every loan as soon as possible.
Every single payment of this loan will be made on time and that is a guarantee, not just a promise.
Please give me a chance. Any help would be greatly appreciated and considered a blessing.
Thank you for your time and support.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 444348
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $269.53
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 24.91%  
Lender servicing fee: 1.00% Estimated return: -8.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jan-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: encouraging-credit3 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
US Business Expansion
Purpose of loan:
This loan will be used to expand?my existing, profitable business. ALL of our products manufactured in the .

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

- I am an honorable and genuine individual
- I will pay back the loan in full and on time.
- My financial situation is solid and I have a steady income with almost no revolving debt
- I have?made some cost savings that will easily cover the payments required?to service?this loan

By investing in?this loan, you will be investing in a company that designs, develops and manufactures it's entire product line in the Mid-Western United States. Even the few?third party products?we offer are made in the . This means you?will be making a real impact. You will be?stimulating the economy by supporting the creation of jobs in the by a real small business, not these seemingly ephemeral ones?oft cited on the nightly news.

The product we make and sell (direct to the consumer through our?existing website and retail location) has mass appeal and we also export a bit around the world.?My company is still small but growing, and our customers love our product and our customer service as well!

I am pursing this loan for additional inventory as we have had to increase our buys to keep prices from going up. Our margin is satisfactory to cover the cost of capital. In addition, I would like to note that?we are coming into our busy season which is Q1.

Invest in something that will make a positive difference, make your pledge today.

About: The Applicant

25 years experience in manufacturing and business management
Black Belt
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 457946
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Mar-1995 Debt/Income ratio: 39%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,195Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: danry1 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,600.00< 31 days late: 0 ( 0% )  
700-719 (Feb-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to? Consolodate small credit accounts. I have too many open lines of credit hurting my credit score. I need to eliminate what I can as soon as I can to get my credit score back where it should be.

My financial situation:
I am a good candidate for this loan because? I have perfect credit...never late, never miss a payment. I have a secure great job.

Monthly net income: $ 4,250.00????

Monthly expenses: $
??Housing: $
??Insurance: $ 60.00
??Car expenses: $ 800.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 450.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 464434
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $316.65
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-1993 Debt/Income ratio: 30%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 8Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 37 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,928Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: danielamity Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 88% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 2 ( 13% )  
720-739 (Jul-2009)
660-679 (Sep-2008)
640-659 (May-2008)
 
Principal balance: $2,896.95 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to? Pay off two credit cards, then close them out

My financial situation:
I am a good candidate for this loan because?I have a loan through prosper, I don't know why they say I was late 2 times, it's on auto pay, and the payment history show I paid on the 29th or 30th of each month. I'm going to call prosper later and get it fixed

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 477000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 31.20% Starting borrower rate/APR: 32.20% / 35.86% Starting monthly payment: $174.66
 
Auction yield range: 13.57% - 31.20% Estimated loss impact: 15.63%  
Lender servicing fee: 1.00% Estimated return: 15.57%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-2002 Debt/Income ratio: 35%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,433Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: markjf99702 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 30 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,600.00< 31 days late: 0 ( 0% )  
700-719 (May-2008)
 
Principal balance: $1,296.55 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Kitchen improvement on first home!
I've just purchased my first home, but would like to do some improvements to the kitchen. My bank does not handle renovation loans with the mortgage, so I am pursuing that separately.

I have a previous loan from Prosper that is 6 months from payoff -- and I have never missed a payment. Moreover, I have never missed a payment on any other account. Finally, I now have more expendable income, for several reasons: my new mortgage is less than I was paying in rent (by $500), I have just received a pay raise, and I am within 6 months of paying off two major accounts (freeing up about another $500 per month). My work is solid and secure - I work for the Federal Government.

One further note: I intend to make frequent payments above the minimum on this loan. I will establish auto-pay, but will also make extra payments to pay off the account earlier.

Please help this trustworthy borrower improve my kitchen and property value! Thank you for considering a bid.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 482596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $297.16
 
Auction yield range: 16.51% - 29.00% Estimated loss impact: 25.69%  
Lender servicing fee: 1.00% Estimated return: 3.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Dec-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 13 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,612Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: xarush 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: 26 ( 100% ) 700-719 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2008)
740-759 (Jun-2008)
740-759 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Medical Expenses excellent history
I need a loan for medical expenses - I have not missed any payments in years

My financial situation :
I have a steady income both from payments made from the sale of my last business and also from consulting work. I have a good history of starting business and selling them. The last business I sold was www.cosmetisoft.com

Reason for loan :
My son broke his arm. It needed an operation and pins. With the high deductible and co-pay I need over $7,000.

Why I am an excellent candidate for a loan
1. I paid my last prosper loan off two months ago nearly a year early.
2. I have obviously shown a commitment to pay of my debts over the last several years as these debts are several years old and I have no missed payments!
3. I have been paying down my card debit and loans for 2 years and have reduced it by over $13,000 plus my Prosper loan of $8,000 My credit score has only dropped because as I reduce the debt the banks reduce my credit limits to match the lower balance. Meaning I am always maxed out on my credit cards. Annoying when you meet your payments on time.
4. I am selling my latest business (www.lingtastic.com) I am in negotiations with 2 interested parties at the moment. The negotiations are about the length of my future involvement not on price. The amount will be enough to pay off my debt with some to spare but will most likely be financed by myself over two years.

Monthly gross income: It varies but usually between $4,000 and $5,000

Net Income:
?After all my expenses I usually pay off about $800 to $1,800 off my debt each month over the minimum I need to pay.
I also like to keep about $4,000 in cash in the bank even though I am in debt. This might seem strange but I have found that not having emergency cash is stupid when your credit is maxed out. It creates a lot of stress not having reserves. I am hoping that because of demonstration of commitment to paying my debt that my interest rate will be bid down below 22% in which case I will pay of the cards faster. Otherwise I will pay of this loan first.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 483468
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $103.07
 
Auction yield range: 10.57% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1961 Debt/Income ratio: 25%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 17 / 15Length of status:27y 6m
Amount delinquent: $495 Total credit lines: 48 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $48,850Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: yield-tapestry Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,550.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
 
Principal balance: $1,281.43 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Paying Property Taxes
Purpose of loan:
This loan will be used to pay 2010 Property Taxes

My financial situation:
I am a good candidate for this loan because I currently have a loan through Prosper and have never been late on my payments

Monthly net income: $
5000
Monthly expenses: $
??Housing: $ 1078
??Insurance: $ 250
??Car expenses: $ 600
??Utilities: $ 250
??Phone, cable, internet: $ 140
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $11,000.00 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: $380.78
 
Auction yield range: 5.57% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1986 Debt/Income ratio: 53%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 24Length of status:11y 2m
Amount delinquent: $0 Total credit lines: 54 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,293Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: sturdy-value2 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off high rate card and car
Purpose of loan:
This loan will be used to? consolidate all my credit cards and loan?payments into one monthly payment.
My financial situation:
I am a good candidate for this loan because? I have demonstrated a consistent and long history of payment in the past without being late on these payments.? My current income will allow me to make the? loan payment and expedite my entry into becoming credit and loan debt free.

Monthly net income: $ 3320.00

Monthly expenses: $
??Housing: $ 500.00.
Insurance: $ 225.00
??Car expenses: $ 458.00
??Utilities: $ 265.00
??Phone, cable, internet: $ 100.00
Food, entertainment: $ 400.00
??Clothing, household expenses $ 90.00
??Credit cards and other loans: $ 586.00
??Other expenses: $ 75.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485782
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.57% - 17.00% Estimated loss impact: 19.24%  
Lender servicing fee: 1.00% Estimated return: -2.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 26 / 25Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 99 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $62,957Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: dhughes2 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 a credit card
Purpose of loan:
This loan will be used to pay off a credit card that has an expiring promotional low interest rate.

My financial situation:
I am a good candidate for this loan because I have never defaulted on a debt or made a late payment. My credit score is important to me, both personally and professionally.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486264
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.51% - 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-2002 Debt/Income ratio: 13%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,576Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: hope-trader7 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486432
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 16.57% Starting borrower rate/APR: 17.57% / 20.91% Starting monthly payment: $269.53
 
Auction yield range: 16.57% - 16.57% Estimated loss impact: 24.91%  
Lender servicing fee: 1.00% Estimated return: -8.34%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: May-1991 Debt/Income ratio: 25%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 21Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 57 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,958Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: statesperson943 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Pay Off
Purpose of loan:
This loan will be used to pay off high intrest cards that I used during my divorce and relocation that I now want to payoff and close.

My financial situation:
I am a good candidate for this loan as prior to my divorce my credit card usage was minimal and in most cases no running balances.?I have not been late on any payments during the last 5 years. I hold a stable/secure?position in the federal government?that provides adequate financial means for repaying this loan, just looking for some help to get back on track after my divorce and lower my monthly payment bu consolidating?credit card(s) balances.?

Monthly net income: $ 5402.00

Monthly expenses: $
??Housing: $ 2546.00
??Insurance: $ 199.00
??Car expenses: $ 444.00
??Utilities: $ 150.00
??Phone, cable, internet: $? 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 700.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486588
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $180.76
 
Auction yield range: 16.57% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Feb-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 18 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,984Stated income:$0
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: special-contract022 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
Scale up a start-up business
Purpose of loan:
This loan will be used to scale up a start-up marketing & strategy consulting business. I'm in the process of hiring my first employee - a business development manager - and, after having worked on various projects pro bono in multiple industries to gain experience, I'm planning to focus on a niche market and provide customized marketing & strategy services for that market.

My financial situation:
I am a good candidate for this loan because I have very good credit. But perhaps most importantly, I know this is my calling (i.e., what I was created to do).

Monthly net income: $ 9,000 (Projected, net of employee pay & subcontractor fees)

Monthly expenses: $ 3,585
Housing: $795
Insurance: $0
Car expenses: $0
Utilities: $80
Phone, cable, internet: $110
Food, entertainment: $500
Clothing, household expenses $100
Credit cards and other loans: $500
Other expenses: $1,500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486612
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 27.00% Starting borrower rate/APR: 28.00% / 31.56% Starting monthly payment: $310.23
 
Auction yield range: 13.57% - 27.00% Estimated loss impact: 15.43%  
Lender servicing fee: 1.00% Estimated return: 11.57%  
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-1990 Debt/Income ratio: 21%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,150Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: bobtheitalian Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
600-619 (Oct-2008)
600-619 (Apr-2008)
560-579 (Jan-2008)
 
Principal balance: $5,735.81 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Pay off rest of credit cards
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $? 540
??Insurance: $ 97
??Car expenses: $ 295
??Utilities: $ 65
??Phone, cable, internet: $ 75
??Food, entertainment: $?150
??Clothing, household expenses $?150
??Credit cards and other loans: $??500
??Other expenses: $? 450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486618
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 9.00% Starting borrower rate/APR: 10.00% / 12.11% Starting monthly payment: $484.01
 
Auction yield range: 5.57% - 9.00% Estimated loss impact: 6.09%  
Lender servicing fee: 1.00% Estimated return: 2.91%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1969 Debt/Income ratio: 20%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:20y 0m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $30,984Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: listing-rumbler938 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off my credit cards
Purpose of loan:
This loan will be used to pay off high rate?credit cards.?

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

Monthly net income: $ 6349

Monthly expenses: $
??Housing: $ 1895????
??Insurance: $?176??
??Car expenses: $ 0
??Utilities: $ 362
??Phone, cable, internet: $205
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1905
??Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486630
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.90% Starting borrower rate/APR: 14.90% / 18.19% Starting monthly payment: $259.62
 
Auction yield range: 13.57% - 13.90% Estimated loss impact: 14.80%  
Lender servicing fee: 1.00% Estimated return: -0.90%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1999 Debt/Income ratio: 44%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 38 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,629Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: unflappable-return454 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
In Pay down mode
Purpose of loan:
This loan will be used to pay off/consolidate car note and credit cards to have more available income to pay down loans more aggressively.

My financial situation:
I am a good candidate for this loan because I have had credit for over 10 years and I have had no late payments.?

Monthly net income: $ 2,500

Monthly expenses: $
??Housing: $390.00
??Insurance: $155.00
??Car expenses: $464.00
??Utilities: $150.00
??Phone, cable, internet: $74.00?
??Food, entertainment: $150.00
??Clothing, household expenses $70
??Credit cards and other loans: $500
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486636
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $199.29
 
Auction yield range: 5.57% - 11.00% Estimated loss impact: 6.13%  
Lender servicing fee: 1.00% Estimated return: 4.87%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1997 Debt/Income ratio: 18%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,873Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: coin-awakening8 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
flooring
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 486648
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $9,000.00 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: $311.55
 
Auction yield range: 5.57% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1995 Debt/Income ratio: 16%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,462Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: carpetkid1 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
2nd mortgage ballon payment
Purpose of loan:
This loan will be used to?I have a second mortgage ballon payment due in January 2011.

My financial situation: good
I am a good candidate for this loan because?Work is good and I pay all bills on time.

Monthly net income: $ 4800

Monthly expenses: $ 2104
??Housing: $967
??Insurance: $160
??Car expenses: $120 for gas
??Utilities: $150
??Phone, cable, internet: $170
??Food, entertainment: $300
??Clothing, household expenses $0
??Credit cards and other loans: $100
??Other expenses: $137 2nd mortgage
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486654
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 11.75% Starting borrower rate/APR: 12.75% / 18.29% Starting monthly payment: $33.57
 
Auction yield range: 10.57% - 11.75% Estimated loss impact: 10.05%  
Lender servicing fee: 1.00% Estimated return: 1.70%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1999 Debt/Income ratio: 3%
Credit score: 760-779 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 3Length of status:3y 4m
Amount delinquent: $152 Total credit lines: 14 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $426Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: jjsparks28 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 760-779 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
760-779 (Apr-2010)
720-739 (Nov-2006)
700-719 (Oct-2006)
 
Principal balance: $748.18 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Reinvesting in Prosper
Hello I have had success with prosper and have invested about $4,500 on the site 1000 of It from the last loan I had that I Invested In the site? out of $4500 lent I have only 3 defaults of $76 my average loan I lend out Is 28% the profit pays for my last loan and I have extra money coming In to reinvest from It.I have had $700? gain- $76 defaults? I do better on here then in the stock market I spread my loans out to many people My financial situation:
I am a good candIdate for this loan because I work 2 jobs and I own a 2 bed room 2 bath condo I work 2 jobs a ware house job and a fast food jobI also rent out the other room for $300 a mo I make about $30,000- $36000 a year I had a 30 year mortgage? and now It has 12 left on It I owe only $38,000 on I started out? owing $63000 down quick only have owned It for 2 years my car Is payed off and Its a small car good on gas my credIt card get payed down to zero every mo Monthly net Income: $ 1500-$3000 Monthly expenses: $ 942
? HousIng: $ 440
? Insurance: $ 95
? Car expenses: $ 100
? UtIlItIes: $ 85
? Phone, cable, Internet: $ 60
? Food, entertaInment: $ 120
? ClothIng, household expenses $ 10
? CredIt cards and other loans: $ 32.00
? Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486666
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 22.37% Starting monthly payment: $274.92
 
Auction yield range: 13.57% - 18.00% Estimated loss impact: 14.99%  
Lender servicing fee: 1.00% Estimated return: 3.01%  
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: Mar-2003 Debt/Income ratio: 27%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,837Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: shepherd364 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
Paying off Credit Cards Young!!
Purpose of loan:
Consolidate the remaining cards that I have not already rolled into a personal loan.

My financial situation:
I am a good candidate for this loan because I have worked for credit unions as a loan officer for over 6 years.? I have never missed a payment and I have steady income and employment history.? I am very informed about credit- most of my credit card debt was incurred while I was putting myself through college.? Now that I'm out and have a young family, I'd like to get a handle on this sooner rather than later.? The recent inquires on my credit report are from refinancing my auto loan from a 7.05% to 3.74% rate and also from obtaining a 19% personal loan to consolidate some of my credit cards that were at 25% and higher.


Monthly net income: $1700

Monthly expenses: $
??Housing: $ 0.00 (we?take care of family members in exchange for housing)
??Insurance: $ 68.00
??Car expenses: $ 295.00
??Utilities: $ 0.00
??Phone, cable, internet: $?$75 for my cell phone
??Food, entertainment: $40/month for my lunches while I'm at work, and ~$100 for groceries.? I'm coupon crazy!
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 154 for my debt consolidation loan, $161 for minimum due on credit cards $43.00?for my student loan.
??Other expenses: $ 20/month diapers and wipes!? I find great deals on Amazon so I don't have to pay too much!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486684
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
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: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: May-1994 Debt/Income ratio: 38%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:21y 10m
Amount delinquent: $204 Total credit lines: 36 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,301Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: reward-samaritan2 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
getting back on track
the purpose of this loan would be used to; pay off some of my debt and have one place to pay

My financial situation:
I am a good candidate for this loan because?I?believe in paying back what i owe and will pay back most of the loan with my tax return?
I fell behind trying to take care of my sick sister and paying for her medical and housing expenses. I need this loan to pay pay off some debt and try to improve my credit scores.I have a good secure job with 22 years of service to pay back this loan, I am asking prosper lenders to take a chance and invest in me, I promise you will not go wrong with your investments.
Monthly net income: $ 3,500

Monthly expenses: $?
housing:?Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 500
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486686
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,250.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $83.62
 
Auction yield range: 16.57% - 19.00% Estimated loss impact: 19.36%  
Lender servicing fee: 1.00% Estimated return: -0.36%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-1988 Debt/Income ratio: 16%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,234Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: well-mannered-bonus1 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
Floor Repair
Purpose of loan:
This loan will be used to? buy flooring for the kitchen for repair and also to use to buy the replacement boards for the front deck. My husband is doing all the work.? Please help. Thank you.

My financial situation:
I am a good candidate for this loan because? I always pay our bills. Unfortunately, my husband and I lost a business 3 years ago that forced us to claim bankruptcy due to the business bills. But, we have recovered and pay bills like clockwork. My credit score was 740 before bankruptcy 3 years ago and it already back to 679. I have two car loans and accessone for medical bills that I remain current on.

Monthly net income: $ 5500

Monthly expenses: $
??Housing: $ 2200
??Insurance: $ 150
??Car expenses: $ 650
??Utilities: $ 450
??Phone, cable, internet: $150
??Food, entertainment: $ 350
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 175
??Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486702
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $295.25
 
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-1999 Debt/Income ratio: 48%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 15 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,026Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: wyatheart Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Bill consolidation
Purpose of loan:
This loan will be used to? consolidate bills.

My financial situation:
I am a good candidate for this loan because? the physicians' practice I work for is growing in a bad economy and I have job security.

Monthly net income: $ 1750 ???? ????

Monthly expenses: $
??Housing: $ 380 ????
??Insurance: $ 50
??Car expenses: $60
??Utilities: $ 75
??Phone, cable, internet: $ 55
??Food, entertainment: $ 300
??Clothing, household expenses $10
??Credit cards and other loans: $ 400.00
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486710
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.00% Starting borrower rate/APR: 19.00% / 22.37% Starting monthly payment: $109.97
 
Auction yield range: 16.57% - 18.00% Estimated loss impact: 19.30%  
Lender servicing fee: 1.00% Estimated return: -1.30%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-2003 Debt/Income ratio: 34%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:7y 4m
Amount delinquent: $48 Total credit lines: 17 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,363Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: professional-asset2 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
Registration for a truck and Tires
Purpose of loan:
This loan will be used to?
Register my truck and for a new set of tires to drive safely this winter.
My financial situation:
I am a good candidate for this loan because?
I am consistant and and never late for a payment
Monthly net income: $
3600
Monthly expenses: $
??Housing: $ 950
??Insurance: $ 120
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1980 Debt/Income ratio: 4%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 1 / 1Length of status:0y 10m
Amount delinquent: $9,715 Total credit lines: 12 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 23 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: vigilance-corps1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
Pay off credit cards, so i can get rid of them and start over. Interest rates on my credit cards out way the
payment i would have if i had the help from the lenders here.
My financial situation:
I am a good candidate for this loan because?im trying to get my life
back on track and just need a fresh start. Got a great job to grow with now, just down?
and need a little help getting back on feet?

Monthly net income: $ 2300.00

Monthly expenses: $
??Housing: $Live with parents at the moment?300.00 rent?
??Insurance: $ 63.00 a month
??Car expenses: $?80.00?month??Utilities: $ 0.00
??Phone, cable, internet: $ 40.00 a month
??Food, entertainment: $ 0.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 0.00
??Other expenses: $ 0.00

Sorry to the people who help fund my last request, was waiting on copy of DL to be made i now have it. Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486732
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,450.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.30% Starting monthly payment: $65.59
 
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. I know my credit isnt the best in the world, but as you can tell I do not have any delinquent accounts nor have I had any in the past 7 years.?We always pay our bills. This prosper loan monthly will be 65.59 which I can easily! Thank you for looking at my listing!

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: $
Both my husband and I are working and bring home 2900.00/month net
This loan amount will be around 65.59/month easy to make. thank you for looking at my request.



Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486738
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-2001 Debt/Income ratio: 11%
Credit score: 620-639 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,286Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Bankcard utilization: 101%  
   Homeownership: No  
Screen name: rlf0350 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 / 1 On-time: 27 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
600-619 (Aug-2008)
 
Principal balance: $525.73 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Consolidate Debt
Purpose of loan:
Consolidate Debt

My financial situation:
My wife and I are trying to get rid of two credit cards that have very high interest.

Monthly net income: $

$3,500 to $4,500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486740
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Feb-2008 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 8 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $331Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: stylish-trade8 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
paying off bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $173.33
 
Auction yield range: 10.57% - 14.00% Estimated loss impact: 11.11%  
Lender servicing fee: 1.00% Estimated return: 2.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1986 Debt/Income ratio: 60%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 24 / 9Length of status:23y 6m
Amount delinquent: $0 Total credit lines: 34 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,699Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: ready-truth3 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit
Purpose of loan:
This loan will be used to?
Pay off high interest credit cards
My financial situation:
I am a good candidate for this loan because?
I pay off all loans
Monthly net income: $
3000.
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 486744
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 7.70%  
   
 
Starting lender yield: 18.65% Starting borrower rate/APR: 19.65% / 23.04% Starting monthly payment: $184.93
 
Auction yield range: 7.57% - 18.65% Estimated loss impact: 8.13%  
Lender servicing fee: 1.00% Estimated return: 10.52%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1995 Debt/Income ratio: 14%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:8y 4m
Amount delinquent: $140 Total credit lines: 30 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,518Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: daberdeen18 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 100% ) 780-799 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
680-699 (Aug-2009)
760-779 (Oct-2008)
700-719 (Jun-2007)
700-719 (May-2007)
 
Principal balance: $0.53 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Pay off Credit Card
Purpose of loan:
This loan will be used to pay off a credit card that has a high rate. I would like to get a rate lower than 18%


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1999 Debt/Income ratio: 17%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 9Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 7Length of status:4y 8m
Amount delinquent: $799 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,752Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: alluring-liberty8 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
Paying off Credit Cards/Loans
Purpose of loan:
This loan will be used to Pay off Credit Cards and Surgical Loan

My financial situation:
I am a good candidate for this loan because, I am working on restoring my credit, paying down my bills and creating more savings.

Monthly net income: $ 3812

Monthly expenses: $ 3061
??Housing: $ 1756
??Insurance: $ 180
??Car expenses: $ 480
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 420
??Other expenses: $ 65
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Jun-1998 Debt/Income ratio: 61%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 59 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,955Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: zeus978 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
Tired of playing "catch-up"
Purpose of loan:
This loan will be used?to consolidate my low balance, high interest rate?credit cards and pay off some high utility bills.?

My financial situation:
I am a good candidate for this loan because I can currently make the payments as listed and will be receiving my teaching certification in May.? At this point I will continue at my current job until I obtain a teaching position.? I currently live with my husband, who has a full time job.? We really need to just get caught up on some bills and credit cards so that we aren't always playing "catch-up". Also, I know that it looks like the amount of loan payments I have is high, but, MUCH of that is student loans.? As soon as I obtain a full-time teaching position following May 2011, I intend on beginning my Masters degree which will defer those payments a few more years.? Therefore my ability to pay this loan will not be hindered by those payments.

Monthly net income: $ 1987.00

Monthly expenses: (The housing, insurance, cable/internet/phone, and utilities is split between my husband and I and not entirly my responsibility to pay.)
Housing: $ 847.37??
Insurance: $ 160.65??
Car expenses: $ 399.00??
Utilities: $ 130-250 varies??
Phone, cable, internet: $ 200.95??
Food, entertainment: $ 25.00??
Clothing, household expenses $ 25.00???
Credit cards and other loans: $ 343.66??
Other expenses: $ n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486764
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Dec-1997 Debt/Income ratio: 16%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 22 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,061Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: blue-ideal-dime Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
I am going to use the loan to pay off my high interest rate credit cards that I used to remodel my house two years ago.? I was planning to move to Buffalo for my job and sell my house but decided to stay where I am and keep my house.

My financial situation:
I am a good candidate for this loan because I have a very stable job that I have been working at for almost 10 years.? As you can tell from my credit history, I always pay my bills.? I have a company vehicle that I drive and do not have to pay for any expenses for the vehicle.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $226.18
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1996 Debt/Income ratio: 15%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 10Employment status:Employed
Now delinquent: 6 Current / open credit lines: 7 / 5Length of status:16y 4m
Amount delinquent: $0 Total credit lines: 27 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $70Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: goodhearted-marketplace4 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAINTING & LANDSCAPING
Purpose of loan:
This loan will be used to? HOME IMPROVEMENT/PAINTING & LANDSCAPING..INTERIOR HOME SHALL BE PAINTED & FRONT & BACKYARD SHALL BE PROFESSIONALLY LANDSCAPED...?PAYMENTS SHALL BE MADE ELECTRONICALLY THROUGH MY DIRECT DEPOSIT CHECKING ACCOUNT..ALL PAYMENTS GUARANTEED DUE TO STRICT COMPANY POLICY AGAINST EMPLOYERS WITH FINANCIAL ISSUES..IT IS CONSIDERED HIGH RISK EMPLOYMENT AND COULD LEAD TO A MAJOR DISCIPLINE AND/OR TERMINATION.??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? My financial situation:
I am a good candidate for this loan because? I AM A HOMEOWNER IN GOOD STANDING, I AM A 13YR UNITED STATES AIR FORCE VETERAN, AND I AM CURRENTLY A 16YR LAS VEGAS POLICE OFFICER WITH MERITORIOUS SERVICE ..AS PREVIOUSLY STATED PAYMENTS SHALL BE ELECTRONICALLY DEBITED FROM MY CHECKING ACCOUNT AND I WOULD NOT RISK LOSING 16YRS OF EMPLOYMENT FOR PAYMENT DEFAULT.??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? Monthly net income: $ 8,000.00

Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 150
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 28.00% Starting borrower rate/APR: 29.00% / 32.59% Starting monthly payment: $209.53
 
Auction yield range: 16.57% - 28.00% Estimated loss impact: 19.93%  
Lender servicing fee: 1.00% Estimated return: 8.07%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1994 Debt/Income ratio: 40%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 11Length of status:0y 7m
Amount delinquent: $1,192 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,570Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: sportfury Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 43 ( 78% ) 640-659 (Latest)
Principal borrowed: $18,000.00< 31 days late: 8 ( 15% )  
660-679 (Oct-2010)
700-719 (Apr-2008)
720-739 (Sep-2007)
 
Principal balance: $20.30 31+ days late: 4 ( 7% )
Total payments billed: 55  
Description
3rd Baby on the way! / Need 2nd Car
Purpose of loan:
I have two needs for this loan.? The first is to provide a down payment for a second (used) car.? Our oldest child will be starting school next year plus our youngest will be starting preschool next year.? Right now we depend on family to get our oldest to preschool.? We need?a second vehicle - especially since baby #3 is on the way!? Second, I want to consolidate / pay off a few of my credit cards (that I am only making minimum payments on).? The first is a? Sears card (BAL ~$850 / 29.99% / $40 min payment).? Second is?Best Buy Card?(BAL ~$750 / 22.99% / $25 min payment).? Third is?Chase card?(BAL ~$499 / 22.24% / $15 min payment).? Paying those off will leave me about $3000 down payment on a used vehicle.

My financial situation:
While not a perfect record, I have successfully completed 2 Prosper loans in the past year.? I was late on a few payments on my first loan due to the fact that I changed jobs?in May.? Due to a few extra weeks without a paycheck, I never seemed to be able to catch up on my payments? (only ever off by about 10 days).? I did make larger payments to help pay off this loan early. My second loan was a little bit more problematic.? With my old job, I was barely making enough money to make ends meet.? That loan was nearly $400 a month, so I sold one of my classic cars and paid off the debt about a year ago.? I also have approximately $8000 in a 401k.? I don't want to touch that money unless absolutely necessary.

As for the 1 account that?is 'now delinquint'.? I just reviewed my credit report and only found?out that it is actually my 2nd Prosper loan (that I paid off about a year ago).? Looks like Prosper never updated my account to the credit bureaus - so I just filled out a dispute form and sent it off to get corrected!? That is the main item dragging down my credit score....

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

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

Monthly expenses: $ 5117
??Housing: $ 2117 (includes insurance and taxes)
??Insurance: $?90
??Car expenses: $ 160?
??Utilities: $?180
??Phone, cable, internet: $ 170
??Food, entertainment: $?150
??Clothing, household expenses $?100
??Credit cards and other loans: $ 2000
??Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486770
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 8.75% Starting borrower rate/APR: 9.75% / 11.85% Starting monthly payment: $321.50
 
Auction yield range: 5.57% - 8.75% Estimated loss impact: 6.08%  
Lender servicing fee: 1.00% Estimated return: 2.67%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1979 Debt/Income ratio: 29%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 16Length of status:13y 4m
Amount delinquent: $0 Total credit lines: 54 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,995Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: red-euro-blossom 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
Pay off credit cards; education
Purpose of loan:
This loan will be used to?consolidate debt primarily a result of college expenses for children.

My financial situation: good
I am a good candidate for this loan because?this is my last child to finish college. I have gotten three boys through school as a single parent and I'm still paying all of my bills!

Monthly net income: $ 3500.00

Monthly expenses:
??Housing: $1500.00
??Insurance: included
??Car expenses: $250.00
??Utilities: $120.00
??Cell phones, cable, internet: $150.00
??Food, entertainment: $400.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $600.00
??Other expenses: $100 - gas
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1986 Debt/Income ratio: 18%
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: rupee-spruce 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
Repairing My Car
Purpose of loan:
This loan will be used to buy tires for my car, get a major tune-up, and get my heat repaired.

My financial situation:
I am a good candidate for this loan because I have very few bills and I am eager to get a second chance with my credit. I will strive to get A1 credit again and I feel that I can begin with this loan to prove my worth. I always like to work part-tme during the holidays to bring in extra cash, but I need?to get my car repaired to have?reliable transporation in order to get to both jobs.

Monthly net income: $ 2200? Monthly expenses: $ 1175
??Housing: $ 350????????
??Insurance: $ 75????????????????
??Car expenses: $ 450
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486780
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Oct-2000 Debt/Income ratio: 67%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,810Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: dinero-disk Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate Credit Cards & Loans
Purpose of loan:
This loan will be used to pay off credit cards and student loans.? I've had to pay for most of graduate school out of pocket and to graduate in a reasonable amount of time, I used my credit cards (stupidly) to fund my education.? I will graduate in May of 2011 with a MBA and plan to focus on reducing my debt to eventually buy a house.

My financial situation:
I am a good candidate for this loan because I've never had any delinquent payments even though I am a little overextended.? I was doing fine until the mortgage crisis of 2008 which caused all of my credit card interest rates to almost double.? I have been employed with the same employer for the past 8 + years as an assistant manager for the state's largest public library system.? The amount I will receive will allow me to consolidate my payments into one payment which I expect to pay off sooner than the three years Prosper has set. I am currently living back at home to save money as well as to help my sister with her autistic child, Christian.? The first three years of his life, my family has been back and forth between, Arkansas and Oklahoma getting him treatments as he spent those years entirely in a hospital.?

Monthly net income: Approximately $2,000

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 120.00
??Car expenses: $ 300.00
??Utilities: $
??Phone, cable, internet: $ 100.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 400.00
??Other expenses: $

As stated earlier, I don't have a problem paying my debt, I would just like to eliminate it to have a more secure future.? A loan from Prosper will greatly help with that goal.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486784
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 26.75% Starting borrower rate/APR: 27.75% / 31.31% Starting monthly payment: $123.69
 
Auction yield range: 10.57% - 26.75% Estimated loss impact: 10.47%  
Lender servicing fee: 1.00% Estimated return: 16.28%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-2004 Debt/Income ratio: 25%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $552Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: zellerm1234 Borrower's state: Missouri Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
700-719 (Aug-2008)
 
Principal balance: $1,245.19 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Please help me with my tuition
Purpose of loan:
This loan will help pay for my spring semester at UMSL. I need 500 for books and 2500 for my tuition.

My financial situation:
I have received a loan through prosper before and have not missed a payment. I work part time and make 900 a month and I live with my parents so I have very little out of pocket expense

Monthly net income: $ 900

Monthly expenses: $ 400
??Housing: $ 0
??Insurance: $ 60
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 75
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 100
??Other expenses: $ 40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486786
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 35.64% Starting monthly payment: $42.18
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1994 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 4 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $995Stated income:$1-$24,999
Delinquencies in last 7y: 2 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: preeminant-compassion 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
consolidating debt
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486800
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $90.47
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 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-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:10y 7m
Amount delinquent: $0 Total credit lines: 3 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: GracieLou2 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
Pet Boutique - Start Up Capital
Purpose of loan:
I am going to start a small Pet Boutique for Cats and Dogs?but need the initial funds to purchase my inventory and displays.? I was looking for a business where I can be passionate about my product as well as make a difference in my community so I will be donating a small percentage to local non profit rescue groups.??I am looking to carry mostly unique items along with some of the basic pet needs as well.? My start up location is a very quaint town where?tourists and locals?come to shop and eat at the well known restaurants.? In the?near future I will create a website and also look to set up vendor booths at various street fairs or?markets and equine events that allow vendor booths.

My financial situation:
Everything I have is paid for and have no hidden debt.? Rent on the business location is extremely low so my main focus will be paying on the loan and business expansion.? I will be keeping my current job so the boutique business will be an additional income.
Monthly net income: $ 2000.00
Monthly expenses: $ 1330.00
??Housing: $?250.00
??Insurance: $65.00
??Car expenses: $?200.00
??Utilities: $?80.00
??Phone, cable, internet: $?85.00
??Food, entertainment: $?200.00
??Clothing, household expenses $?250.00
??Credit cards and other loans: $?50.00
??Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $316.34
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-2000 Debt/Income ratio: 8%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 9 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $229Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: unconquerable-rate2 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
In process of purchasing new home!
Purpose of loan:
I am closing escrow on my first piece of property in three weeks.? I am looking for money to help me with closing costs.

My financial situation:
I am a good candidate for this loan because I pay my bills!? My credit is impeccable and speaks for it self.

Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 750
??Insurance: $
??Car expenses: $ 0
??Utilities: $ 450
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Feb-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 22 / 19Length of status:26y 2m
Amount delinquent: $0 Total credit lines: 37 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,183Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: thrifty-credit8 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
Realizing Opportunities
In 2011, my company will celebrate 27 years in business. We are a small business, and for all of our existence we?have always maintained financial responsibility, and conducted our business in the proper manner. Never late on payments, never a bad year, never anything inappropriate in our banking.

That's why I was so shocked when Bank of America cut our credit. For more than 30 years of personal banking, and 26 years of business banking, my company and I have always had an A++ rating. So, when the recession hit our business -- and our clients as well -- we turned to Bank of America for help with credit and loans. Not only did they not help us, they instead cut all that we had.? We did not spend that money. We carefully maintained it at the proper ratio, to make sure we are always on a sound credit footing. But that didn't mean anything to Bank of America. They did it anyway, and left us struggling.

So, for a long time we wondered what we will do, and how. We invested our resources in the business, and we have kept it going. Even today -- as recently as December 2, 1010 -- my FICO was at 755. This is very good, considering that I have had to shoulder not only my personal responsibilities, but also the business as well.

Now the recession is slowing, and new opportunities are becoming available. To take full advantage of them, our business needs capital. Not a large amount --?in the grand scope of things --?but enough to give us the help we need to boost the business. The kind of help that Bank of America would not provide for us.

It is for this reason that I am here, at the Prosper community. I believe in this process, and I know that we have a viable and successful business. I am a former internal auditor, and I know fiscal responsibility. I have managed everything successfully thus far, and with the assistance of the members of the Prosper community, I am certain our business will move forward and realize the opportunities now being presented.

Thank you for your consideration.

Purpose of loan:
Help our business realize new opportunities as the market conditions improve, and the recession eases.

My financial situation:
I am a good candidate for this loan because my FICA is still at 755, even after managing our way through the recession. I have never in my life defaulted on any loan, or missed any payments.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.30%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 10.34% Starting monthly payment: $225.87
 
Auction yield range: 2.57% - 9.00% Estimated loss impact: 1.31%  
Lender servicing fee: 1.00% Estimated return: 7.69%  
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): 10 First credit line: Apr-2000 Debt/Income ratio: 7%
Credit score: 740-759 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 20 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,213Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: dalty52 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2007)
640-659 (Nov-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay the balance remaining on my credit cards so I can save money via a lower interest rate.

My financial situation:
I am a good candidate for this loan because I am employed, full-time, in a job with a good salary, therefore I will not have any problems with the monthly loan payment. This is the last bit of revolving debt I have, so I am merely looking to pay it off faster with a lower interest rate.

I do not have a mortgage or a car payment(I do not own a car, as I live in a big city with public transit). The only payments I have, other than credit cards, are as follows:

Rent: $1350/month
Utilities/Insurance/Cable: ~$300/month
Phone: $100/month(married/family plan)
Student Loans: $300/month
Tax Installation Payment: $100/month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486814
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 13.57% Starting borrower rate/APR: 14.57% / 17.85% Starting monthly payment: $258.41
 
Auction yield range: 13.57% - 13.57% Estimated loss impact: 14.78%  
Lender servicing fee: 1.00% Estimated return: -1.21%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,937Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: ideal-community5 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
Engagement Ring
Engagement Ring
Hi Everyone I am looking to get an engagement ring for my girlfriend of the last three years. I am a very safe bet. I am thirty-three years old, own my own home and have run my own business successfully for the past seven years. I filed as an LLC about five years ago.

My financial situation:
I try to pay everything with the money I have. I am a cash guy. I am not a big credit card user nor am I a debt kind of guy. I am in the property development industry. Business has been a little slower than usual this past year, but has been picking up. The reason I need this loan is because I am building an addition on my house that has been out of pocket, leaving very little left over to save for an engagement ring. The addition will be completed in the next two months. I am trying for a Xmas engagment to my wonderful girlfriend. I paid off my truck loan two years ago (early). Prosper has listed me as a non-homeowner which is incorrect. I actually paid off my mortgage last year (very early)....so I own my home free and clear. When I filled out the form, it asked am I a home owner (yes) and mortgage payment ($0) so prosper interprets that as not a home owner. I have an excellent credit history of no non-payments and as stated have paid off my truck and house. So I have very little outstanding debt.

Monthly Income $4000

Monthly expenses: With the addition about $3500, after the addition complete about $1500
??Housing: $0
??Insurance: $ I pay in full every year.
??Car expenses: Payment: 0, Insurance: $130
??Utilities: $250
??Phone, cable, internet: $200
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $200
??Other expenses: (addition)$2000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $253.07
 
Auction yield range: 10.51% - 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: May-1994 Debt/Income ratio: 14%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:12y 8m
Amount delinquent: $0 Total credit lines: 43 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,042Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: PsyberJake 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
Debt Consolidation. Closing Accts.
Purpose of loan:
This loan will be used to consolidate and close a couple credit cards that are high interest.

My financial situation:
I have a long term position with a very strong software company with no reason to believe that it would be in jeopardy.? My income is set to go up again at the first of the year with a change in compensation plan.

Monthly net income: $ 10K

Monthly expenses: $
??Housing: $ 2600
??Insurance: $ 200
??Car expenses: $ 600
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
? Credit cards and other loans: $ 300
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486842
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: B Auction Duration: 7 days
Term: 60 months Estimated loss: 5.95%  
   
 
Starting lender yield: 16.90% Starting borrower rate/APR: 17.90% / 19.33% Starting monthly payment: $380.09
 
Auction yield range: 6.06% - 16.90% Estimated loss impact: 6.24%  
Lender servicing fee: 1.00% Estimated return: 10.66%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-2002 Debt/Income ratio: 10%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,961Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: jclas84 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
Invest in my business
This loan will be used to help me in purchasing an investment property.
My financial situation is stable. I am employed full time and just shy of 4 years with the same company.
I am a good candidate for this loan because I have good credit and plan to pay the loan back before it is due in full.
Monthly net income: $ 2624
Monthly expenses: $ 1864
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486846
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $253.07
 
Auction yield range: 10.51% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-2003 Debt/Income ratio: 16%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 30 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $160Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: balance-path 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
Family emergency
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 486850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 25.00% Starting borrower rate/APR: 26.00% / 29.52% Starting monthly payment: $120.87
 
Auction yield range: 16.57% - 25.00% Estimated loss impact: 19.74%  
Lender servicing fee: 1.00% Estimated return: 5.26%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-2008 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $594Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: balance-tostada4 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card.
Purpose of loan:
This loan will be used to pay off a Citi credit card.? My 11 month old dog needed emergency veterinary treatment costing me over $4,000. I split the balance on two credit cards, however only my Citi card is acquiring a very high interest.

My financial situation:
I am a good candidate for this loan because I have a steady job with Prestige Consulting, earning about $15,000 a year. I also am a member for an online freelance writing agency, which accumulates about $1000 dollars extra a month. I have a monthly phone bill of $80 dollars, $60 in student loan payments, $50 a month in credit card payments when paying more than the required minimum payment, and no housing, food or transportation expenses (my workplace provides me with a monthly metro card and I live with my father.)

Monthly net income: $
$2,300
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 110
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $185.82
 
Auction yield range: 13.51% - 19.00% Estimated loss impact: 15.04%  
Lender servicing fee: 1.00% Estimated return: 3.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1992 Debt/Income ratio: 10%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 8 / 8Length of status:1y 3m
Amount delinquent: $564 Total credit lines: 46 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,613Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: cash-steward1 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
Herbalife Startup Loan
Purpose of loan:
This loan will be used?to provide startup capital for a new business?venture. I need the money to help in advertising costs to drive traffic to my website.

My financial situation:
I am a good candidate for this loan because just bought a home and am paying less for my mortgage than I did in rent and the extra?saings will be able to cover the payment on this loan.?

Monthly net income: $ 5000

Monthly expenses: $
??Housing: $ 1170
??Insurance: $ 80
??Car expenses: $ 450
??Utilities: $ 280
??Phone, cable, internet: $ 225
??Food, entertainment: $ 500?
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 90
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $25,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 60 months Estimated loss: 1.55%  
   
 
Starting lender yield: 10.00% Starting borrower rate/APR: 11.00% / 11.22% Starting monthly payment: $543.56
 
Auction yield range: 3.06% - 10.00% Estimated loss impact: 1.56%  
Lender servicing fee: 1.00% Estimated return: 8.44%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Mar-1999 Debt/Income ratio: 2%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:10y 8m
Amount delinquent: $0 Total credit lines: 10 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,655Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: angel50481 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
Daughter's Residency Tution
Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because I hold very little debt, we live within our means. Our daughter is a 4.0 student who has been able to go to school and medical school on full scholarship and now she has chosen to do her residency in a different state that won't be covered by her scholarship. We selected a 5 year pay off, but intend to pay the loan off quicker.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486864
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 7.00% Starting borrower rate/APR: 8.00% / 10.08% Starting monthly payment: $156.68
 
Auction yield range: 5.51% - 7.00% Estimated loss impact: 6.05%  
Lender servicing fee: 1.00% Estimated return: 0.95%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jul-1990 Debt/Income ratio: 14%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 17Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 43 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,874Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: active-fairness270 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off higher interest credit cards.

My financial situation:
I am a good candidate for this loan because I have never missed a payment. I also own my own home.? I have had the same job for the past 4-5 years with good expectations to retire there.

Monthly net income: $ 1850

Monthly expenses: $
??Housing: $ 240
??Insurance: $ 80
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $ 80
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
Auction yield range: 16.57% - 34.00% Estimated loss impact: 26.01%  
Lender servicing fee: 1.00% Estimated return: 7.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-2009 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 2 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: dedication-wildebeest8 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
Getting a much needed car of my own
Purpose of loan:
This loan will be used to fund my first car. I work full time at a Starbucks and Super Target(as well as networking with lightyear wireless, go to my website and SAVE!, emergingleaders.mylightyear.com), but?I?am in need of my own transportation. I have medical issues that require me to visit the doctor three times monthly, but without my own car, making it to specialists is hard to do consistently.I could buy the car off my income alone, but I would rather do it the responsible way that is within my budget..

My financial situation:
I am a good candidate for this loan because I work full time and recieve enough pay to repay this loan. I budget my paychecks using microsoft excel every pay period....I never have less than two hundred dollars in my account

Monthly net income: $ 1000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ FREE thanks to lightyear)
??Food, entertainment: $ 60-80
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 0
??Other expenses: $ miscelaneous or medical:$50-100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 18.29% Starting monthly payment: $259.99
 
Auction yield range: 13.57% - 14.00% Estimated loss impact: 14.80%  
Lender servicing fee: 1.00% Estimated return: -0.80%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1998 Debt/Income ratio: 30%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,080Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: newest-friendly-asset Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Credit Cards 4 1st Home
Purpose of loan:
This loan will be used to pay off multiple high interest rate credit cards with the intention of then being able to buy our first home for our family of four.? By paying off these credit cards, we will improve our credit, pay off the credit card balance much faster and ultimately save money.?

My financial situation:
I am a good candidate for this loan because I always pay my bills on time and am commited to improving my financial situation. With the combination of my and my husband's income, we will be able to pay off this loan. I want to reassure potential lenders that I am dedicated to paying off the loan.

Monthly net income: $ 4500.00

Monthly expenses: $
??Housing: $ 895.00
??Insurance: $?170.00
??Car expenses: $ 365.00
??Utilities: $?200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 350.00
??Other expenses: $ 0
??Total: $2630.00

As you can see,?based on our?monthly income and our monthly expenses we'll have a monthly disposable income of $1870.00. Please lend with confidence.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $392.58
 
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: May-1988 Debt/Income ratio: 19%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 26 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,301Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: durability-embrace Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
wanting my dream bike
Purpose of loan:
This loan will be used to?
Buy a motorcycle????
My financial situation:
I am a good candidate for this loan because? I have excelent credit and have no history of late payments
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486890
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,100.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 23.90% Starting borrower rate/APR: 24.90% / 30.29% Starting monthly payment: $43.68
 
Auction yield range: 16.57% - 23.90% Estimated loss impact: 25.37%  
Lender servicing fee: 1.00% Estimated return: -1.47%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1996 Debt/Income ratio: 11%
Credit score: 600-619 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 5 Current / open credit lines: 11 / 10Length of status:17y 2m
Amount delinquent: $3,572 Total credit lines: 46 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,524Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: TROYCHRISTOPHER Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 62 ( 100% ) 600-619 (Latest)
Principal borrowed: $6,050.00< 31 days late: 0 ( 0% )  
600-619 (Oct-2010)
640-659 (Oct-2009)
620-639 (Apr-2009)
580-599 (Nov-2007)
 
Principal balance: $2,871.27 31+ days late: 0 ( 0% )
Total payments billed: 62  
Description
Lenders 5 YR Member Here 3 Loans A+
Purpose of loan: Personal use.

My financial situation:
I am a good candidate for this loan because? never missed a payment never been late. Been a prosper member over?5 Years., over 61 Payments made and never late
.
The deliquent amount is from a couple of hospital bills that I was paying on but got behind and was sent over to a collection agency. It is from 2003 and I have perfect payment history on all my bills now. Very Low credit card debt and great income.

Monthly net income: $ 5,500

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1998 Debt/Income ratio: 52%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 30 / 30Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 62 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,304Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: the-persistent-note 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
paying off my car
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 486910
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 16.00% Starting borrower rate/APR: 17.00% / 20.72% Starting monthly payment: $53.48
 
Auction yield range: 10.57% - 16.00% Estimated loss impact: 11.17%  
Lender servicing fee: 1.00% Estimated return: 4.83%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1999 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 6Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,891Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: loyalty-capo8 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
Beauloan
Purpose of loan:
The purpose for my loan is for a automobile repair, and a little extra money for Chistmas.? I recently had a new baby boy and our insurance deductible was raised from $500 to $1200 and has left us a little bit pinched.?Your interest in helping us with this loan is greatly appreciated!?

My financial situation:
Finanacial situation is good to average,?including my wife our gross income exceeds $90,000?

Monthly net income: $ 3,000

Monthly expenses: $
??Housing: $ 610.00
??Insurance: $?50?
??Car expenses: $ 228
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ N/A
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486920
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 35.64% Starting monthly payment: $42.18
 
Auction yield range: 10.57% - 28.50% Estimated loss impact: 11.52%  
Lender servicing fee: 1.00% Estimated return: 16.98%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1990 Debt/Income ratio: 6%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: sophisticated-rupee5 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
Son needs braces
Purpose of loan:
This loan will be used to?purchase?braces for my son.?

My financial situation:
I am a good candidate for this loan because?I will pay the loan payments timely.? I have no car payments. I can budget the monthly amount due. I am honest and of good character.


Monthly net income: $2,500

Monthly expenses: $
??Housing: $625.00
??Insurance: $45.00
??Car expenses: $
??Utilities: $ 200.00
??Phone, cable, internet: $170.00?
??Food, entertainment: $ 500.00
??Clothing, household expenses $
??Credit cards and other loans: $ 106.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $249.11
 
Auction yield range: 10.51% - 11.00% Estimated loss impact: 11.03%  
Lender servicing fee: 1.00% Estimated return: -0.03%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1981 Debt/Income ratio: 13%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 15 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,866Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: well-mannered-bonus0 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
Getting Organized
Purpose of loan:
I am a newly single lady simply looking to consolidate some credit card debt and get myself more organized into an exciting new future. I have heard great things about prosper from friends and am excited to use it for the first time and definitely soon become an invester. ?

My financial situation:
I am a good candidate for this loan because I am and always have been responsible with my finances and am proud to continue that trend. I feel my credit score is good for the economy we are in, but with the help of this loan, I am working to make my credit that much better. My income is good and my expenses are low.

Monthly net income: $ 4300

Monthly expenses: $
??Housing: $ 1,500
??Insurance: $ 50
??Car expenses: $ 0
??Utilities: $ 250
??Phone, cable, internet: $ 125????
??Food, entertainment: $?300???
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 550
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 33.61% Starting monthly payment: $233.48
 
Auction yield range: 16.57% - 29.00% Estimated loss impact: 25.69%  
Lender servicing fee: 1.00% Estimated return: 3.31%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jan-2004 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 32 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,825Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 103%  
   Homeownership: No  
Screen name: medstudent88 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan: Debt Consolidation
This loan will be used to pay off credit card balances with Capital One Bank and Citibank.

My financial situation: I am working full-time earning a stable income. I will pay back THE ENTIRE balance of this debt consolidation loan in MAY 2011 when I will receive an annual settlement payment. Until May 2011, I will make monthly payments on time.
I am a good candidate for this loan because I am working full-time and I will be able to pay this loan back IN FULL in May 2011.

Monthly net income: $3000

Monthly expenses: $2000
??Housing: $0
??Insurance: $200
??Car expenses: $200
??Utilities: $
??Phone, cable, internet: $200
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $1000 (This includes Student Loans from the past 4 years, graduated from NYU's College of Arts & Sciences in May 2010.
??Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 34.00% Estimated loss impact: 20.31%  
Lender servicing fee: 1.00% Estimated return: 13.69%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1994 Debt/Income ratio: 15%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:12y 3m
Amount delinquent: $1,452 Total credit lines: 21 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,830Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: reverent-greenback 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
Start-Up Elec, HVAC, Renovations
Purpose of loan:
This loan will be used to help our production music company Prodigy Productions Music Group, LLC
to complete?the renovation of our 2000sq recording & practice studio.? There was some unexpected, but necessary work that needed to be done per the local building codes that required a master's qualification in the area's of Electrical, HVAC & Plumbing
My financial situation:
I am a good candidate for this loan because I have 3 partners that will assist me with honoring our business financial?obligations.

Monthly net income: $ 5,450.00
Monthly expenses: $ 4644.00
??Housing: $ 2,800
??Insurance: $ 224.00
??Car expenses: $ 310.00
??Utilities: $ 450.00
??Phone, cable, internet: $ 225
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 185.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486950
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $271.42
 
Auction yield range: 16.51% - 34.00% Estimated loss impact: 38.61%  
Lender servicing fee: 1.00% Estimated return: -4.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: May-2002 Debt/Income ratio: 77%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: moola-matador1 Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off creditors and vehicle maint
Purpose of loan:
This loan will be used to? pay off small amounts to creditors and will also be used for vehicle maintenance.

My financial situation:
I am a good candidate for this loan because? i will be paying off small amounts which gives me the ability to pay for this loan I am applying for.? To be honest, I may not have a good credit rating but if any lender gives me a chance, I can definitely show I am able to pay my monthly payments.? All I'm asking for is a chance.......

Monthly net income: $ 2000.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100.00
??Car expenses: $ 200.00
??Utilities: $ 80.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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-1990 Debt/Income ratio: 35%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 1 Current / open credit lines: 13 / 10Length of status:3y 5m
Amount delinquent: $359 Total credit lines: 33Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,989 
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: wampum-plum Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
740-759 (May-2010)
640-659 (Mar-2010)
 
Principal balance: $3,972.65 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
New Roof before snow
Purpose of loan:
This loan will be used to?to finish of roofing before the snow?weather begins, thanks.?

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 486970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 25.43% Starting monthly payment: $133.67
 
Auction yield range: 16.51% - 21.00% Estimated loss impact: 19.49%  
Lender servicing fee: 1.00% Estimated return: 1.51%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2000 Debt/Income ratio: 15%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,840Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: vi3tsk8erboi Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 31 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,750.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2010)
620-639 (Jul-2009)
600-619 (Mar-2008)
 
Principal balance: $1,089.65 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
debt consolidation
Purpose of loan:
This loan will be used to pay off my 1St loan and the rest will go to my credit card bills

My financial situation:
I am a good candidate for this loan because I had a 5000 loan on prosper and never missed a payment

Monthly net income: $ 2100

Monthly expenses: $
??Housing: $ none (I live with my aunt)
??Insurance: $ 120
??Car expenses: $ 400
??Utilities: $ none
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486992
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $3,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $135.71
 
Auction yield range: 16.51% - 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: Dec-1998 Debt/Income ratio: 20%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 22 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,860Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: commitment-catalyst Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my credit cards
Purpose of loan:
This loan will be used to? consolidation my bills to one payment.

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

Monthly net income: $ 4083.00

Monthly expenses: $
??Housing: $
??Insurance: $ 160
??Car expenses: $ 542
??Utilities: $
??Phone, cable, internet: $ 69
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1860
??Other expenses: $
Information in the Description is not verified.