Listing Report:Supplement No. 111 dated Dec 09, 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 205955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 16.51% Starting borrower rate/APR: 17.51% / 20.85% Starting monthly payment: $269.30
 
Auction yield range: 16.51% - 16.51% Estimated loss impact: 37.51%  
Lender servicing fee: 1.00% Estimated return: -21.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jul-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,516Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: ckbuddy 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
My loan for debt consolidation
Purpose of loan:
Credit Card Debt

My financial situation: I am small business owner and I am requesting for my loan to be funded so I can pay off my credit card debt. I have been in business for 3 years and my business has been steadily growing. I currently employ 4 hair dressers who have a full clientel. Prosper rated me as?an HR with a fico score of 650. I am really not sure why? I have no late payments listed on my credit report. I have never paid late on any of my accounts. my current interest rate on my credit cards is app. 30% This loan will really help me save on my interest charges. I have been paying double payments on my credit cards and I have had very little success with reducing the balances.?Thank you for considering my loan.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 459639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.51% - 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: Nov-2000 Debt/Income ratio: 29%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,903Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: Ricklo1 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: 28 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2008)
 
Principal balance: $660.49 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Additional Business Expenses
Purpose of loan:
Additional Business Expenses
My financial situation:
I am a good candidate for this loan because I have been paying on my current loan for the past 28 months and have not been late.

Monthly net income: $ 2587 + $1800 = $4387? (work and business income )

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 65
??Car expenses: $ 0 paid off
??Utilities: $ 0
??Phone, cable, internet: $ 35
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 484763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.60% Starting borrower rate/APR: 6.60% / 8.66% Starting monthly payment: $122.78
 
Auction yield range: 5.51% - 5.60% Estimated loss impact: 5.02%  
Lender servicing fee: 1.00% Estimated return: 0.58%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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: 22%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 30 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,026Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: newest-sympathetic-loot Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 780-799 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
820-839 (Mar-2010)
 
Principal balance: $5,772.94 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Paying off credit card
Purpose of loan:
This loan will be used to pay off a credit cars?

My financial situation:
I am a good candidate for this loan because I'm fully employed and I have always paid my biils on-time and have really good credit.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 485089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 17.00% Starting borrower rate/APR: 18.00% / 21.35% Starting monthly payment: $271.14
 
Auction yield range: 16.51% - 17.00% Estimated loss impact: 24.94%  
Lender servicing fee: 1.00% Estimated return: -7.94%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1993 Debt/Income ratio: 35%
Credit score: 680-699 (Nov-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:18y 0m
Amount delinquent: $0 Total credit lines: 63 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,143Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: tough-integrity2 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
18 Years Active Duty Marine
Purpose of loan:
This loan will be used to?consolidate a couple of credit cards into one payment.?

My financial situation:
I am a good candidate for this loan because I am extremely responsible, dependable, and hard-working. I am currently on active duty in the United States?Marine Corps (just went over 18 years last week). I helping my family and?just want to consolidate my bills into as less payments as possible. I am not behind on any of my debts, in fact I like to stay a month or two ahead.

Monthly net income: $6,374.00

Monthly expenses: $
??Housing: $700
??Insurance: $50.00
??Car expenses: $200
??Utilities: $0, included in the?rent?
??Phone, cable, internet: $180
??Food, entertainment: $500
??Clothing, household expenses $200
??Credit cards and other loans: $1,600
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $508.30
 
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: Aug-1989 Debt/Income ratio: 6%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 35 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $51,705Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: green-thoughtful-yield Borrower's state: California Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained 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% ) 820-839 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
860-879 (May-2010)
 
Principal balance: $8,521.45 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Reinvest in Prosper
Purpose of loan:
This loan will be used to reinvest in Prosper.? My first loan of $10,000 with Prosper has been invested successfully?and I'd like to continue borrowing and investing.?

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487101
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 3 First credit line: Aug-1998 Debt/Income ratio: 12%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 7 Current / open credit lines: 1 / 1Length of status:2y 10m
Amount delinquent: $34,618 Total credit lines: 28 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 37 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: auction-gala Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
new beginning
Purpose of loan:
This loan will be used to?pay for car repairs, real estate fees, and have a little extra money for the holiday season

My financial situation:
I am a good candidate for this loan because?I have a really good paying job. I pay everything in cash and have no other loans or credit cards to pay. I'm trying to start fresh and achieve more.

Monthly net income: $ 2500

Monthly expenses:
??Housing: $0
??Insurance: $100
??Car expenses: $100
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $300
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487153
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 7.51% Starting borrower rate/APR: 8.51% / 11.68% Starting monthly payment: $236.79
 
Auction yield range: 7.51% - 7.51% Estimated loss impact: 8.84%  
Lender servicing fee: 1.00% Estimated return: -1.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1990 Debt/Income ratio: 10%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 18 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,302Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: affluence-wicket9 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
home improvement
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 487167
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.51% - 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: Feb-1996 Debt/Income ratio: 16%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:9y 9m
Amount delinquent: $1,928 Total credit lines: 51 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,468Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: economy-firestarter1 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
Retail Inventory for holiday rush.
Purpose of loan:
This loan will be used to purchase inventory to support customer deman during the holiday season

My financial situation:
I am a good candidate for this loan because I am willing and capable?of paying financial obligations.? Current situation requires additional Capital to obtain inventory for my Retail clothing business?

Monthly net income: $9,442

Monthly expenses: $
??Housing: $1,267
??Insurance: $ 335
??Car expenses: $693
??Utilities: $?150
??Phone, cable, internet: $ 210
??Food, entertainment: $ 350
??Clothing, household expenses $
??Credit cards and other loans: $?789
??Other expenses: $ 420
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 16.51% Starting borrower rate/APR: 17.51% / 20.85% Starting monthly payment: $269.30
 
Auction yield range: 16.51% - 16.51% Estimated loss impact: 19.21%  
Lender servicing fee: 1.00% Estimated return: -2.70%  
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): 4 First credit line: Sep-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,500Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: orange-orderly-auction 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
Working Capital for growing biz
Purpose of loan:
This loan will be used to finish the development of our new line of products to take to the major trade shows in January, and hire new production employees.

My financial situation:
I am a good candidate for this loan because,?with only one product line and only 3 trade shows in our first year, S.D.G. Artistry inc.?reached $130,000 in sales and was in the black!???We are expecting major growth in 2011 and are meeting with the small business develpoment center for ongoing counseling as business growth challenges arise.

Business Monthly net income: $
10,800
Monthly expenses: $?
??Rent on warehouse: $ 775.00?
??Insurance: $ 35.00
??Car expenses: $ 300
??Utilities: $ 230
??Phone, cable, internet: $?272
??Office supplies?$ 100
??Credit cards and other loans: $ 922

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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: Jul-1996 Debt/Income ratio: 24%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 41 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,368Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: ecstatic-fund2 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
Bad Loan. 96% interest!
Purpose of loan:
I want consolidate a credit card which has an interest rate of 29.99% and also an awful pay day loan. I have a rate of 96%. This is honestly true.

My financial situation:
I am a good candidate for this loan because I have rebuilt my credit over the last few years. I do not have much outstanding debt. I make a solid monthy salary and will not put the lender at risk.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $?live with parents. no rent
??Insurance: $
??Car expenses: $?700
??Utilities: $
??Phone, cable, internet: $ 80
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 80
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 9.00% Starting borrower rate/APR: 10.00% / 13.19% Starting monthly payment: $484.01
 
Auction yield range: 7.51% - 9.00% Estimated loss impact: 8.88%  
Lender servicing fee: 1.00% Estimated return: 0.12%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $357Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: credit-gusto6 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
Loan for Culinary School
Purpose of loan:
This loan will be used to? pay for Natural Epicurean Culinary Institute in Austin, TX

My financial situation:
I am a good candidate for this loan because? I have borrowed money in the past and have always had excellent repayment history. The program is only six months so upon graduation I will starting a career in addition to my already successful photography business.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 650
??Insurance: $
??Car expenses: $
??Utilities: $ 50
??Phone, cable, internet: $ 80
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487265
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 21.00% Starting borrower rate/APR: 22.00% / 25.43% Starting monthly payment: $286.43
 
Auction yield range: 13.51% - 21.00% Estimated loss impact: 15.14%  
Lender servicing fee: 1.00% Estimated return: 5.86%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1984 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: 6 / 4Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,918Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: pious-loan6 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
Design Lead Generation Website
Purpose of loan:
This loan will be used to brand and?launch of my lead generation website and some search engine optimization.? Currently, I am bringing my business to the next level?with social media and have been successful in driving user traffic to my website.

My financial situation:
I am a good candidate for this loan because i have?demonstrated diligent repayment history on my accounts.? I have an established track record in insurance and real estate.? I have other investment and IRA funds for retirement purposes.? I have affiliated with Keller Williams Realty which is the fastest growing and one of the most innovative realty companies in the United States.

Monthly net income: $4400.00

Monthly expenses: $2,445
??Housing: $550.00??????
??Insurance: $420.00
??Car expenses: $0.00
??Utilities: $150.00
??Phone, cable, internet: $125.00
??Food, entertainment: $500.00?
??Clothing, household expenses $100.00
??Credit cards and other loans: $400.00
??Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487289
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $6,000.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 19.00% Starting borrower rate/APR: 20.00% / 23.39% Starting monthly payment: $222.98
 
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: Jun-1997 Debt/Income ratio: 15%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 7 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: marketplace-wingding Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Better than credit card rate
I am using this loan to make a few small purchases and pay off an old bill. I think a personal loan will suit me better than a credit card. I'm a great loan candidate because my monthly bills are very low and I always have plenty of expendable income every month. I will have no problem making the monthly payment. Currently, my rent is $610, car is $220, health and car insurance is $180, and utilities are about $200 per month. I always have an extra $1000 at the end of the month when all the bills are paid. I'm single, have no children, and am in perfect health.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487297
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $1,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 41.35% Starting monthly payment: $45.24
 
Auction yield range: 16.51% - 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: Sep-1990 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:15y 3m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: ToughTimes86 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
Medical Bill Payoff
Prosper has shown my account has HR? HIGH RISK because of my $894.00 yearly income shown on my application.? My husband and I together will make any loan payments to Prosper together so there will be no HIGH RISK!? We pay our bills on time!

PURPOSE OF LOAN:

This loan will help pay off some medical bills that? my husband?and I?have?had with my Crohn 's Disease.?

I desperately need to pay these bills off so that I can have?better relationships with my doctors.? Its sad to be 58 years old and never been able to work due to this disease.? I can't
draw social security disability because I have?not worked enough quarters.??I have not been able to work since 1972 due to this disease.? I have only been able to work just three months in my entire life.??

I was lucky to meet a nice husband who has helped me pay doctor and prescription drug medicine over the years.? We have been married now 24 years.? He is 55 years of age and soon will be retiring.??We owe together about $1,000 in medical doctor bills.? We would like to get these bills paid off.? Could you help us?? Social Security will be small in the years ahead. My husband has 26 years in with his employer but we are trying desperately to pay our bills on time in hard times.?

This is our financial situation:

My husband makes a monthly income of $5,906.00.
I make $894.00 a year in interest.? My money is tied up as collateral on money we borrowed to pay down our new home purchase in 2005.? I still draw the interest on this money which
has a balance of $11,175 invested at 8%.? I can' t get any of this money out to pay any expenses because it is pledged as collateral.?


We have these expenses monthly:

Mortgage?? $1712.00
Personal Loans?? $452
Car Insurance? $131
Car Expenses?? $375
Car Payment $155
Utillities? $400
Property Taxes $65
Groceries? $400
Cable Phone Internet? $109
Prescription Drugs for me? $200 monthly varies
Clothing $100

Total Expenses for the month:? $4,099.00

Balance remaining monthly?? $1,807.00

Please help us get these medical bills paid off.

We are trying real hard to live in hard times!

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487313
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00% Starting borrower rate/APR: 25.00% / 28.50% Starting monthly payment: $298.20
 
Auction yield range: 10.51% - 24.00% Estimated loss impact: 11.39%  
Lender servicing fee: 1.00% Estimated return: 12.61%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1999 Debt/Income ratio: 15%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 39 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $339Stated income:$100,000+
Delinquencies in last 7y: 27 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: immaculate-bonus5 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
My loan for credit cards
I plan on using this loan to pay off my Credit cards.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487315
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 10.00% Starting borrower rate/APR: 11.00% / 13.12% Starting monthly payment: $491.08
 
Auction yield range: 5.51% - 10.00% Estimated loss impact: 6.11%  
Lender servicing fee: 1.00% Estimated return: 3.89%  
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): 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 487321
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: E Auction Duration: 7 days
Term: 36 months Estimated loss: 14.20%  
   
 
Starting lender yield: 33.20% Starting borrower rate/APR: 34.20% / 37.90% Starting monthly payment: $335.88
 
Auction yield range: 13.51% - 33.20% Estimated loss impact: 15.73%  
Lender servicing fee: 1.00% Estimated return: 17.47%  
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): 5 First credit line: Dec-1994 Debt/Income ratio: 17%
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 11Length of status:14y 4m
Amount delinquent: $0 Total credit lines: 42 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $52,490Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: enchanted-affluence590 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
Emergency Medical Help for Family
Purpose of loan:
This loan will be used to help a family member who needs a Liver transplant.

My financial situation:
I have a stable job and I pay bills on time. I have been employed at IBM since 1996.

Monthly net income: $ 7100

Monthly expenses: $
??Housing: $ 3640
??Insurance: $ 110
??Car expenses: $ 135
??Utilities: $ 216
??Phone, cable, internet: $ 99
??Food, entertainment: $?400
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1000
??Other expenses: $130
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,200.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $219.33
 
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): 6 First credit line: Oct-1996 Debt/Income ratio: 50%
Credit score: 720-739 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,885Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: peace-cypress6 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card debt
Purpose of loan:
This loan will be used to pay off?credit card debt.

My financial situation:

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 487327
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $248.80
 
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: Aug-1988 Debt/Income ratio: 40%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 28 / 28Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,007Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: velocity-speaker 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Sep-2009)
 
Principal balance: $3,446.16 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
consilidatedebt/home repair
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 487331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 32.20% / 35.86% Starting monthly payment: $327.49
 
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): 5 First credit line: Oct-1996 Debt/Income ratio: 39%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,847Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: yankee1717 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: 28 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2008)
 
Principal balance: $1,521.10 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
I want out of the credit card trap!
Purpose of loan:
I recently turned 32 years old and after years of supporting myself in lower paying jobs by using my credit cards, I?need and want?it to end.? I now have a great job with?a strong career path in sales & marketing?and I'm making good money.??My goal for myself is to be completely out of credit card debt by the time I turn 35 in?three years.? I will use this?loan to consolidate my credit cards which are currently at rates of 18.9%, 19.9% and 26.9%. ?Please help me make this possible.? With my current credit card rates this would be nearly impossible to pay them all down in three years.

My financial situation:
I am a good candidate for this loan because I pay my bills on time, I make good money and I plan on putting all of my sales bonuses over the next three year into the loan and paying it off early.? This is my second Prosper loan and I have never missed or been late with a payment. I have major changes in budget to make sure I reach my goal of paying this loan off earlier than three years from now.

Monthly net income: $ 3206

Monthly expenses: $ 2235
??Housing: $ 530
??Insurance: $ 105
??Car expenses: $ 325
??Food & entertainment: $?250
??Credit cards and other loans: $?1025

Please help me make this possible and get out of debt as soon as possible.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487337
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.51% - 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): 5 First credit line: Nov-1996 Debt/Income ratio: 41%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,512Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: trustworthy-social9 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? help pay off my credit cards and get me back to "sqaure one."

My financial situation:
I am a good candidate for this loan because? I am responsible, I work hard (held two full-time jobs for two years until a recent promotion allowed me to leave one), and I know I will not have a problem making monthly payments.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 920????
??Insurance: $?389
??Car expenses: $?420?
??Utilities: $?70
??Phone, cable, internet: $50?
??Food, entertainment: $ 200
??Clothing, household expenses $0
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487339
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 36.60%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.15% Starting monthly payment: $67.85
 
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: Mar-2000 Debt/Income ratio: 25%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 4 Current / open credit lines: 8 / 8Length of status:4y 4m
Amount delinquent: $691 Total credit lines: 31 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,726Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: Sweetmj 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to get me out of debt! I am a good person who had to go through some set backs. I am raising 4 kids, one of these kids I took it when she was 6 months old. I am just trying to get my life back on track. Can you please help me with this loan? I am a mom and I am also a fulltime employee. Thank you for taking time out of your busy schedule and looking at my loan request.

My financial situation:
I am a good candidate for this loan because I intend on paying every red cent back! I just want my kids and I to be able to move forward all the bad we have been through.

Monthly net income: $2,800

Monthly expenses: $
??Housing: $ 865
??Insurance: $ 164
??Car expenses: $326 NOTE?
??Utilities: $ 200
??Phone, cable, internet: $0
??Food, entertainment: $ 380 GROCERIES
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487345
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $210.89
 
Auction yield range: 10.51% - 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: Aug-1987 Debt/Income ratio: 8%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:5y 1m
Amount delinquent: $8,637 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,665Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: enchanted-transaction5 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
Restructure/Consolidate One Debt
Purpose of loan:
This loan will be used to pay off my only?outstanding delinquency.??The creditor has agreed to settle the disputed amount of 8,637 (as referenced in my Credit Profile) for 5,000 if paid in-full by the end of December 2010.? All other delinquencies have been resolved.? With payment of this last remaining delinquency, all of my?accounts will once again be current.

My financial situation:
I am a good candidate for this loan because I will have no?problem making the monthly payment for the term indicated.? In fact, I would work very hard to pay-off this loan early.? My job history is solid and my current employment situation is secure.? I have worked extremely hard to rebuild my financial life and my personal life over?the past five years following a sudden, prolonged illness in late 2005 followed by divorce.? Today, I am healthy, and I have made excellent progress paying-down and paying-off debt.? All of my accounts have been current and in good standing for the past four years with the exception of the delinquency referenced above.? This delinquency is the only thing standing between me and new financial stability.? I recently paid-off a 10k loan with my credit union, and two consumer credit cards will be paid-off next month.?

Monthly net income: $3,200

Monthly expenses: $2197
??Housing: $1200
??Insurance: $47?(auto only; health covered by my employer)
??Car expenses: $20 (I walk to work and almost everything else as part of a "greener" lifestyle.? I fill-up my?tank about once every two months.)?
??Utilities: $80
??Phone, cable, internet: $120
??Food, entertainment: $250
??Clothing, household expenses $30 (dry cleaning)
??Credit cards and other loans: $400
??Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487357
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $207.70
 
Auction yield range: 5.51% - 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: Sep-1972 Debt/Income ratio: 14%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,308Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: dollar-corps Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Loan
Purpose of loan:
This loan will be used to pay off?loan for?new air conditioning unit.?

My financial situation:
I am a good candidate for this loan because I have a good income and credit score and pay all my bills on time.? The reason the bankcard utilization shows 97% is that I have a fixed 2nd on my home which the balance is $18,000.? It is not a bank card.? The revolving balance will actually be around $11,000 after I pay off the loan. I plan on taking some money out of my brokerage account after the first of the year to pay on the other credit cards.

Monthly net income: $ 4996 (mine) $2512 (wifes)

Monthly expenses: $
??Housing: $ 1578
??Insurance: $ 150
??Car expenses: $ 383 (car pymt) 3 pymts left
??Utilities: $ 275
??Phone, cable, internet: $ 275
??Food, entertainment: $ 400
??Clothing, household expenses $ 200?
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487363
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 12.00% Starting borrower rate/APR: 13.00% / 16.25% Starting monthly payment: $101.08
 
Auction yield range: 10.51% - 12.00% Estimated loss impact: 11.06%  
Lender servicing fee: 1.00% Estimated return: 0.94%  
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): 7 First credit line: Jul-1994 Debt/Income ratio: 46%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 9Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 33 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,950Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: stockncurrency 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
paying off my us bank card
using this money too pay off my us bank card... tired of paying high interest rate.. if i get this loan i will cancel that card and pay it off with this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487367
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.51% - 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: Aug-1986 Debt/Income ratio: 18%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:11y 0m
Amount delinquent: $0 Total credit lines: 37 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $220Stated income:$25,000-$49,999
Delinquencies in last 7y: 21 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: progressive-income3 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying my daughters bills
Purpose of loan:
This loan will be used to?
to held my daughter get out of debt so she can give her kids a good christmas
My financial situation:
I am a good candidate for this loan because?
im a registered nurse i work as much over time as i can and i never late on paying my bills
Monthly net income: $
5000
Monthly expenses: $
??Housing: $300??Insurance: $ 115
??Car expenses: $ 375
??Utilities: $ pd by landlord
??Phone, cable, internet: $ 80
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 90
??Other expenses: $ 70
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487379
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $259.62
 
Auction yield range: 5.51% - 13.90% Estimated loss impact: 6.18%  
Lender servicing fee: 1.00% Estimated return: 7.72%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-2000 Debt/Income ratio: 16%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 19 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,460Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: sweet-integrity0 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
Money to open a retail store
Purpose of loan:
Help manage operating expenses for my business.?

My financial situation:
I am a good candidate for this loan because I understand the terms of credit and how to manage and pay debts effectively.?The bank will not loan to me because of the type of business, although I have a good business plan and idea.
Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 544
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $?200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487405
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 5.95%  
   
 
Starting lender yield: 13.90% Starting borrower rate/APR: 14.90% / 17.07% Starting monthly payment: $155.77
 
Auction yield range: 5.51% - 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-1987 Debt/Income ratio: 21%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 24Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 60 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,721Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: brightest-benefit-miser Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a 29.99% int credit card
Purpose of loan:
This loan will be used to pay off a credit card balance that just increased my rate to 29.99%!? I have been paying $250 monthly and am not making a dent due to the interest.

My financial situation:
I am a good candidate for this loan because I consistently pay my bills on time and am working very hard to get out of debt but cannot do so with such a high interest rate

Monthly net income: $4,500

Monthly expenses:?? $3100 ?
??Housing: $ 1280 ????
??Insurance: $ 140 ????
??Car expenses: $ 350 ????
??Utilities: $ 200 ????
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 900
??Other expenses: $ 30
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487417
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 21.00% Starting borrower rate/APR: 22.00% / 25.43% Starting monthly payment: $190.95
 
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): 4 First credit line: Feb-1996 Debt/Income ratio: 25%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,102Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: community-motivator2 Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Settlement on debt
Purpose of loan:
This loan will be used to? make a settlement offer on an old debt and improve my credit rating.

My financial situation:
I am a good candidate for this loan because? I am?currently?employed and have no plans on budging, even if I wasn't I could make these payments. I will use this debt to make a settlement offer to a debt collection agency. It will help me get my credit and life back on track, and make good on some of my debt. The debt was due to unemployment and medical crisis in 2006. I've been employed and healthy since then, but can't seem to catch up on this debt. It's already been?writen off and passed around.?I don't want to make thier payments and pay thier fees and their penelties on thier terms because I've seen to many "disspearing" acts with my money and got nowhere, and I hate debt collecters and don't want to pay them a nickle more than neccessary. I would much rather pay you.


Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 820
??Insurance: $ 20
??Car expenses: $ 40
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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: Aug-2000 Debt/Income ratio: 23%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,577Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: moola-baby785 Borrower's state: Indiana Borrower's group: Have Money - Will Bid
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help Me Help Others Social Activism
Purpose of loan:? Will be used to take a social activism app/website prototype to market. I am building a Social Activism platform to help bring social activism to the forefront in a fun, interesting way. I am working with a top web development company and can quickly move this to market with these funds. My goal is to take "doing good" mainstream!? I'd appreciate your help.
My financial situation:? I can financially back this loan without any added income. I make $58,000.? My debt to income ratio is very low. Because of my skill set, I can easily do side projects to make extra money by doing side projects, and have made over $12,000 a year doing this.

Credit Score Explanation
I have not missed a payment in 24 months and been employed for 24 months. While unemployed, 2 student loans were deferred for 6 months the other 2 for a year. With my first check from my new job, I caught up all payments.? I feel like I would be a solid candidate for a loan, an honestly a very good deal at a higher interest rate than your risk warrants.?
Thank you so much for viewing!? I'd appreciate anything you can do. Any amount will help :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 486892
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Oct-1995 Debt/Income ratio: 24%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,249Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: beegees28 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: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
580-599 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Help us stay on the right track!
Purpose of loan:
This loan will be used to? pay off a payday loan and help us stay on the right track!? My wife and I fell on some hard times at the beginning of this year and financially we were hurting.? We had hoped to refinance our home which would take months.? Fortunately the refinance worked and lowered our house payment from $2400 to $1800!? We were thrilled until the paper work said we needed $3000 for closing costs and other fees that unfortunately couldn't be worked into the loan.? Because of our credit score at the time were we unable to obtain a loan from anyone.? Desperate, we ended up doing a payday loan....stupid, stupid, I know.? Like I said, desperate.? For the past two months we have to keep re-borrowing on this loan because we don't have the funds to pay it off in one lump sum.? Oh how nice it would be to be rid of this payday loan and have a normal monthly payment, that we can afford, with Prosper.? We realize the mistakes made by us in the past concerning our finances.? We have worked hard the last several month to raise our credit score and become more responsible when it comes to our money.? A great blessing that has happened is this month I was given a $400 dollar raise per pay check!? So this loan is absolutely affordable for us.? I just want to thank those who take an interest in our loan and I really appreciate your time and willingness to help.? Thank you!

My financial situation:
I am a good candidate for this loan because?our past history with our prosper loan was great!? We were so grateful to those that took interest in our loan and showed it by paying on time and we will be sure to do the same with this loan as well.

Monthly net income: $ 5800

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 100
??Car expenses: $ 640
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,200.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $99.52
 
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-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Nov-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,017Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: cordial-integrity1 Borrower's state: Florida 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: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2010)
 
Principal balance: $1,940.11 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
RELISTED** 700+ credit; 2nd loan
**? NOTED LOAN WAS FULLY FUNDED 2 wks ago & ALL DOCS VERIFIED BY PROSPER, HOWEVER, DUE TO ME BEING PAID VIA CONTRACT/I-9? UNDERWRITING ASKED ME TO RELIST THIS (as my 'employment status' above had to be changed) As such, my salary is based only on part of this year's salary when I was a salaried employee & they would not consider the $20k+ I made since 8/30.

(thanking everyone that bid on me the 1st time)

Purpose of loan:
This loan will be used to pay unexpected medical bills.?? Yes, even though you are w/o a gallbladder you still produce stones :(??? & these stones are more risky as they land in the duct near your liver so had unexpected surgery via endoscopy w/ will have one more f/up endoscopy.


My financial situation:
I am a good candidate for this loan because my credit score history has improved since my last loan & I make $20k more a year.? I also am a hard worker as through this ordeal have been working 6 to 7 days week and only missed TWO days for ER and surgery.? AGAIN, MY CREDIT HAS ALREADY BEEN VERIFIED BY PROSPER AFTER I WAS FULLY FUNDED 2 WKS AGO.
Due to the interest rate increasing due to me being contract employee, I have decided now to borrow less than 50% of what I did last time ($5,000)?and will only use this as a short term loan until I can find a better rate elsewhere.

Monthly net income: $ 4,000 to $5,000 approximate takehome??? ?(as contractor paid $7,000 to 8,000?mo - so will depend on taxes and deductions)

Monthly expenses:?
??Housing: $ 1,000
??Insurance: $ 150
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 90
??Food, entertainment: $ 100
??Clothing, household expenses $ 100 - lost 15 llbs?due to the stones, so now can fit into my 'other' smaller wardrobe (yes, typical female w/ different sizes in her wardrobe)
??Credit cards and other loans: $ 800
??Other expenses: $ 100 student loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487146
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.51% - 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: Mar-2008 Debt/Income ratio: 18%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 3 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $175Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: independent-money Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
Purpose of loan:
This loan will be used to buy an auto where I can get a better job.

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

Monthly net income: $
1,640 a month

Monthly expenses: $
??Housing: $ I live with my mother help around but not on a daily bases.
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 96.78 my cell phone bill monthly
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487158
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 21.50% Starting borrower rate/APR: 22.50% / 25.95% Starting monthly payment: $576.74
 
Auction yield range: 7.51% - 21.50% Estimated loss impact: 9.21%  
Lender servicing fee: 1.00% Estimated return: 12.29%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1991 Debt/Income ratio: 45%
Credit score: 780-799 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 72 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $100,320Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: CivServSci 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
Credit card consolidation
I had to take a lot of unsecured debt to finish my undergraduate and graduate degrees and to keep up with my child support obligations.? Those obligations have ended now, so I can use that money to pay this revolving debt down faster, and I'd like to do so at a lower rate. I've listed my top three burdens below, the current payments that I'm making, and the expected payment I'll be able to make once combined.

??????????????????????? Amount owed??????????? Rate???????? Monthly Payment

Unsecured A:??????? $5200??????????????????? 30%??????????????? $180
Unsecured B: ? ? ?? $3100??????????????????? 30%??????????????? $105
Unsecured C:????? $13800??????????????????? 22.5%???????????? $280

TOTALS????????????? $22,100????????????????????????????????????????? $565

Prosper Loan??????? $14325 ???????????????????????????????????????? $580 or lower

Remaining Debt????? $7800 ??????????????????????????????????????? $160 (est.)

Total monthly payment is $740.? Total available to service this combined obligation is $565 (the amount I pay now) plus the $540 monthly I no longer pay in child support, for a total of $1105. While I realize this covers only a portion of my revolving debt obligation, it is the worst part, and repackaging it into this Prosper loan will allow me to shrink the entire load more rapidly than I am now.

In summary, this loan will allow me to more rapidly pay down debt generated primarily during college.? Lenders funding this loan will make money; I will lose less money with this loan than I will without it.

Thank you for your attention.


Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 23.75% Starting borrower rate/APR: 24.75% / 28.24% Starting monthly payment: $99.07
 
Auction yield range: 10.51% - 23.75% Estimated loss impact: 10.38%  
Lender servicing fee: 1.00% Estimated return: 13.37%  
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: Jun-2000 Debt/Income ratio: 8%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:4y 6m
Amount delinquent: $10,298 Total credit lines: 29 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,938Stated income:$100,000+
Delinquencies in last 7y: 30 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: paytonsdad Borrower's state: Missouri 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
To tide me over - and new tires
This loan will be used to get new tires,christmas, new grandbaby coming and hold us over till march when my yearly commission/bonus comes in.
My financial situation:back on the uprise. My company is tied to the auto and housing industry, so we took a major paycut - BUT has now been put back to normal and is on the rise. My wife has Multiple Sclerosis, and now receives disablilty which is an additional $1200/month that is just starting.
I am a good candidate for this loan because as you can see I paid off my last loan in full and intend to do the same here.
Monthly net income: $ 5500 + yealry commissionm ( approx $15,000 /yr now)
Yes there is 1 delinquency on my record. All of the lates fees are tied to one credit card used trying to keep up with the pay cut. When I couldn't keep up I decided to pay all the others that were in good standing. I will make this debt good. I am figuring to pay off my other debts that are in good standing 1st, then work on this one.
please feel free to contact me with any questions. I'd prefer to try a loan with prosper before i head to a titlemax store - their rates are overboard.
thank you for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487206
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $210.89
 
Auction yield range: 10.51% - 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: Jan-2000 Debt/Income ratio: 7%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 7 Current / open credit lines: 1 / 1Length of status:0y 4m
Amount delinquent: $3,862 Total credit lines: 26 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $75Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: sunnyvalekajukenbo 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
Bootstrapping Martial Arts School
Purpose of loan:
The short is: I need to bootstrap a commercial location for my Martial Arts School.? Here's why - I currently run 12 students from my garage, this garage location brings in 25.00 per student, per month.? Once in the commercial space, I will raise the tuition to 80.00/month per student.? I expect a very slow growth in the space I have chosen, but plan to be cash flow positive in 6 months.? The loan will be used specifically for mats, mirrors, deposit, very basic inventory, and advertising.

My financial situation:
While my credit did take a dive due to the housing market crash, I am on my way back up in the credit game.? I am a family man, with a wife and 2 kids, I live in an average suburban neighborhood, and have an excellent career.? My bills are much lower than my income, and I can afford to bootstrap the business without the loan, I am really looking to use this as an infusion, and to establish credit history for my business.

Monthly net income: $ 7500.00

Monthly expenses: $
??Housing: $ 1900.00
??Insurance: $ 120.00
??Car expenses: $ 450.00 (Car loan)
??Utilities: $ 175.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 30.00
??Other expenses: $ 100.00 (Gas/Auto)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487224
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 2 First credit line: Jun-2007 Debt/Income ratio: 30%
Credit score: 640-659 (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: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: upbeat-platinum9 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
Starting a new life!
Purpose of loan:
This loan will be used to make my transition to a new state easier. I recently moved from Ohio to North Carolina, and the move has been rough. The loan would be used to get ahead on everything and to ease stress!

My financial situation:
I am a good candidate for this loan because my credit score is good and I am always on time with my payments.

Monthly net income: $ 900.00

Monthly expenses: $
??Housing: $
??Insurance: $ 121.00
??Car expenses: $ 197.54
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487230
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 11.50% Starting borrower rate/APR: 12.50% / 15.74% Starting monthly payment: $250.90
 
Auction yield range: 10.51% - 11.50% Estimated loss impact: 11.04%  
Lender servicing fee: 1.00% Estimated return: 0.46%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-2001 Debt/Income ratio: 23%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,662Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: spirited-trade1 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
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 487236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: Sep-1989 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:1y 11m
Amount delinquent: $1,219 Total credit lines: 58Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,819 
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: stable-kindness8 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 Educational Expenses
Purpose of loan:

This loan will be used to pay for school related expenses for the upcoming semester.? I have one more semester left to finish up and need to make sure I can cover some unexpected costs.

My financial situation:

I am a good candidate for this loan as I am a very responsible and receive biweekly income so this loan will be paid back.? In fact this loan will more likely be paid off well ahead of time.

Monthly net income: $2,500.00

Monthly expenses: $1610.00
??Housing: $800
??Insurance: $120
??Car expenses: $0
??Utilities: $80
??Phone, cable, internet: $120
??Food, entertainment: $150
??Clothing, household expenses $150
??Credit cards and other loans: $90
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 19.50% Starting borrower rate/APR: 20.50% / 23.90% Starting monthly payment: $280.64
 
Auction yield range: 10.51% - 19.50% Estimated loss impact: 11.27%  
Lender servicing fee: 1.00% Estimated return: 8.23%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1999 Debt/Income ratio: 9%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:0y 11m
Amount delinquent: $2,850 Total credit lines: 12 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,506Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: delicious-capital3 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
Investing n used car for our family
My wonderful life, is simply that. A small slice of life topped with a whole heaping of wonder and hope for a better day in all my tomorrows to come. Like many of of my other hard working Americans, I too was hit by the recession bug. However, I was hit late in the game at the beginning of the year when my full-time job ended with McKesson. So, I began to my short lived battle for reemployment. With my positive outlook, great skill set, and responsive determination, I was able to gain foot after foot in the door for interviews with the likes of Cox Communications, NCR, AT&T, ThyssenKrupp, GE, for full-time positions. But, no dice again and again. I continued to pump up my pride over the past several months with my dependable vow in life to "Turn [my] wounds into wisdom" for my next day's plan for job security success. Having responsibly spent through my savings in four to five months, I took on two temporary positions to tide me over financially while I interviewed for a more stable ground underneath my feet. For the past couple of months I have been unbelievably excited to have beat the talking head pundits, bad labor market reports, and general depressed state of our national conscious because of my actually having attained the elusive; strong paying, awesome benefits, great down home feel co-workers, full-time position as a contracts analyst in the finance and underwriting department of RBS WorldPay. Now, it is only a matter of me continuing to wisely budget my new found stable income to rebuild the lost months in my banking, Roth IRA, and saving account patiently, steadily, and with cheer for my blessed spirit of fortune. As for the reason I am requesting assistance for your investment in my continued success; it just so happen that this past Friday, my 18yrs old, 180,000mils, 1993, Infiniti G20 kicked the bucket amidst my plan for financial recapitalization. My transmission blew. So, with a well kept and taken car of, yet, almost 20 year old vehicle It was time my former four wheeled love to pass. The cost of the part alone would literally be 3x to 6x the total cost of my former car and thats not including labor from the mechanic. So, after diligent prayer, family counsel, and supportive friend's heartfelt advice, I will budget out a great used car for me to love and take care of for at least another half a decade. All that I as is that you may consider my life motto when ever I decide to give clothes to GoodWill, a couple of dollars to the Salvation Army workers outside my Kroger, and/or tithing in the basket, please "give what you have and not what you don't have" because karma, God, general goodwill, whomever you may have faith in, will always make up the rest of the difference for the best. Thank you for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487274
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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): 6 First credit line: Apr-1995 Debt/Income ratio: 24%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:17y 10m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $48,816Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: hercules730 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying high interest CC
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 487280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $2,800.00 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: $126.66
 
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: Jan-1982 Debt/Income ratio: 35%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,700Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: red-safe-kindness 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: 8 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,600.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2010)
 
Principal balance: $3,739.73 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Paying Down Credit Card
Purpose of loan:
This loan will be used to pay insurance co-pay for hospital stay.

My financial situation:
I am a good candidate for this loan because I pay my bills on time and am never late.? I believe the HR rating is due to the fact that?my husbands income is not included.??We have owned our home for 20 yrs. We will be paying down most of the credit card debt after the first of the year so we don't have to pay taxes on it this year.? The money will be coming out of our brokerage account.???

Monthly net income:?Total?$5975????????$2515 (mine)? $3460 (husbands)?

Monthly expenses: $ 3761
??Housing: $ 1578
??Insurance: $? 150?
??Car expenses: $ 383?
??Utilities: $ 275?
??Phone, cable, internet: $275
??Food, entertainment: $ 400?
??Clothing, household expenses $ 200?
??Credit cards and other loans: $ 500?
??Other expenses: $ ?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487282
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 24.00%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 39.82% Starting monthly payment: $58.81
 
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: Nov-2006 Debt/Income ratio: Not calculated
Credit score: 660-679 (Nov-2010) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: laudable-durability9 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan to Help my Credit Score
Purpose of loan:
I will use this loan to improve my credit score . I don't have much credit and am looking to improve my credit score .

My financial situation:
I have no debt and close to no expense per month . I have paid off every debt I have ever had .

Monthly net income: $
? $1000- $1200
Monthly expenses: $
??Housing: $ 0?
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 65
??Food, entertainment: $ 20
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487288
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 16.51% Starting borrower rate/APR: 17.51% / 20.85% Starting monthly payment: $269.30
 
Auction yield range: 16.51% - 16.51% Estimated loss impact: 19.21%  
Lender servicing fee: 1.00% Estimated return: -2.70%  
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): 5 First credit line: Nov-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,912Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: authentic-revenue1 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
Positive Start to New Year (CC)
Purpose of loan:
This loan will be used to? Consolidate Credit and pay off debt. Trying my hardest to do everything I can to get back to being debt free and I believe with just a bit of help I can do it in a short time frame. The only debt created was from credit cards that I had to use when my son was born and education. Just trying to consolidate date to fix this situation as fast as possible.

My financial situation:
I am a good candidate for this loan because? I own both my vehicles out right and have never been late on either car payment for 5 years. I also have never been late on my mortgage payment. I have eliminated the home cable bill, use coupons to shop for groceries, and have tried to keep household expenses as low as possible. My goal is to be debt free AGAIN as soon as possible and with your help we can both benefit. Then I come back here and pay if forward to help others like you have helped me. Thank you for your help.

Monthly net income: $1500

Monthly expenses: $
??Housing: $1305.22 (never late)
??Insurance: $89/mo
??Car expenses: $ Two vehicles PAID OFF (never late)
??Utilities: $200
??Phone, cable, internet: $59
??Food, entertainment: $ 100/mo
??Clothing, household expenses $ 50/mo
??Credit cards and other loans: $ 13,912
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487292
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $5,200.00 Prosper Rating: 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: $235.23
 
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: Oct-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:1y 5m
Amount delinquent: $1,076 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: ceilli Borrower's state: Texas Borrower's group: P2P Financial
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 29 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,700.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
620-639 (Nov-2007)
560-579 (Nov-2006)
560-579 (Oct-2006)
 
Principal balance: $965.41 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Building My Community Newspaper
Purpose of loan:
The purpose of this loan is to continue building my newspaper business. My previous loan was used to get it into print. Now I need to get more visibility and purchase my own bins and racks to put in public places. The Bay Area Observer has been in print now for 10 months and is doing extremely well. I?ve expanded the distribution area from one community to nine communities. I have successfully established my newspaper as the premier community newspaper in our area. I plan to buy refurbished racks, and will need 10 outside racks for $2,000 and 40 inside bins for $1,320. My profile shows an amount of $1, 076 that is delinquent, however, I've just made a payment and brought that down to $876. With a Prosper loan I will pay off the remaining $876 to USAA. My financial situation:
My financial situation is stable and my income is growing as my business does better each month. I have one saleperson in the field selling advertising, and I've just hired a second to cover our expanding territory. The newspaper is now sustaining itself with advertising revenue and subscription sales. I?ve paid one Prosper loan off with no late payments, and my current loan has never been late. My current debts are very manageable. I?m single with no children, so my personal expenses such as clothing, food etc. are low. I have made arrangements with USAA to pay off my credit card without having a charge-off. I owe $1,200 on my vehicle, and it will be paid in full in three more payments, taking an extra $422 off my monthly expenses.Monthly net income: $2100.00Monthly expenses: $973.00Housing: $0.00Insurance: $43.00 per month
Car expenses: $422.00 per monthUtilities: $100.00Phone, cable, internet: $50.00Food, entertainment: $150.00Clothing, household expenses $100.00Credit cards and loans $63.00 per monthExisting Prosper Loan: $45.00 per month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487300
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 38.72% Starting monthly payment: $180.94
 
Auction yield range: 16.51% - 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): 5 First credit line: Jan-2000 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 2 Current / open credit lines: 5 / 4Length of status:3y 0m
Amount delinquent: $989 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,473Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: tremendous-order6 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
Home Improvement
Purpose of loan:
This loan will be used to furnish my recently renovated home. I need appliances, living room furniture, plumbing supplies, electrical supplies, and bathroom finishings.

My financial situation:
I am a good candidate for this loan because currently banks will not loan to me because of my employment situation I am employed it is just not through a company. I work for an independant contractor who subs out to me. ?Also as you can see I have a decent credit score but there are some negative factors that banks do not understand. I was young took out some credit cards and I have made agreements with them to re-pay them; however, they still show negative on my report.

Monthly net income: $ 4500.00 ( I have rental properties, also I am a laid off construction worker so I do majority of the jobs on the side)

Monthly expenses: $
??Housing: $ 0.00 ( I have no mortgage houses are paid in full)
??Insurance: $ 141.00 (includes home owners and vehicle)
??Car expenses: $ 235.72 (truck payment)
??Utilities: $ 100.00 (water, gas, electric)
??Phone, cable, internet: $ 127.00 (i have the package deal)
??Food, entertainment: $
??Clothing, household expenses $?????
??Credit cards and other loans: $?200.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 9.80%  
   
 
Starting lender yield: 21.75% Starting borrower rate/APR: 22.75% / 26.20% Starting monthly payment: $154.32
 
Auction yield range: 10.51% - 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): 5 First credit line: Jun-1985 Debt/Income ratio: 33%
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 high rates for Christmas!
Purpose of loan:
This loan will be used to eliminate highest interest credit cards and to start paying?them off. I have had significant expenses at the end of this year and need to bridge the gap until March when my income will increase.

My financial situation:
I am a good candidate for this loan because I do not miss payments. Never have, never will. I pride myself in making payments and not being late.

Monthly net income: $ 8500

Monthly expenses: $
??Housing: $ 3300
??Insurance: $ 150
??Car expenses: $349
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487312
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% Starting borrower rate/APR: 17.51% / 20.85% Starting monthly payment: $179.54
 
Auction yield range: 16.51% - 16.51% Estimated loss impact: 37.51%  
Lender servicing fee: 1.00% Estimated return: -21.00%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 10 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $742Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: mover725 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
Require vehicle for business.
First of all, I would like to thank my investors. I am a Christian-Family business man that has had years of professional experience. I was a Fleet Operations Mgr. for a Fortune 500 company for over 19 years. I then ventured out on my own because of my love for the outdoors and getting my hands dirty. I have been in the "green industry" for the past 10 years and I truly enjoy it. We are currently adding snow plowing to our day-to-day operation and expect huge results. The amount I am requesting is for a small 4x4 suv or pick up to travel to various plowed locations bolstering customer satisfaction. Customer communication in this industry is crucial. Listed below is additional information which might help you in your decision:

Gross personal - $47,000

House payment $970.00 mo.

Utilities $100

Own Home - Value $160,000.00 Owe $134.000.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487324
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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: Sep-2000 Debt/Income ratio: 37%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:5y 6m
Amount delinquent: $76 Total credit lines: 16 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,657Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: market-voyager6 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
GREAT ROI FOR YOU! 720-739 SCORE
Purpose of loan:
PAYING OFF HIGH INTEREST CREDIT CARD
financial situation:
I am a good candidate for this loan because?
MY PROSPER MONTHLY?NOTE WILL BE$165?LOWER THAN WHAT IM CURRENTLY PAYING ON THESE CARDS
PLEASE REVIEW MY CREDIT INFO!!!
I HAVE?A GREAT?CREDIT? SCORE OVER 720
MY DEBT TO INCOME RATIO IS 37%
GREAT JOB HISTORY 5 1/2 YEARS
MY DELIQUENT ACCOUNT IS AN HEALTH INSURANCE ISSUE AND IS $76 WHICH WILL BE TAKEN CARE OF
MY MONTHLY EXPENSES ARE ABOUT HALF OF MY NET INCOME AND I CAN MY PROSPER PAYMENT WITH EASE
I AM A?GREAT LOAN CANIDIDATE!??? I HOPE YOU ALL TAKE THIS INFO INTO CONSIDERATION.? IF YOU HAVE ANY QUESTIONS PLEASE ASK.
Monthly net income: $
2700
Monthly expenses: $?
1437
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487328
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $10,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 7.51% Starting borrower rate/APR: 8.51% / 11.68% Starting monthly payment: $315.72
 
Auction yield range: 7.51% - 7.51% Estimated loss impact: 8.84%  
Lender servicing fee: 1.00% Estimated return: -1.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:17y 6m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $97Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: funds-fir 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
My personal loan
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487330
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 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: $245.36
 
Auction yield range: 3.51% - 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: Feb-1999 Debt/Income ratio: 6%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,062Stated income:$75,000-$99,999
Delinquencies in last 7y: 14 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: precious-point Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Funding
Purpose of loan:
I was told from Prosper to post another listing because even though I was fully funded, I had configured my profile incorrectly. This loan will be used to grow my life long dream of owning/operating a business! I will also allocate the loan wisely to lower my bills, thus establishing and enhancing my credit score. I have very little debt right.
Financial Situation:
I have a high level corporate job for a Fortune 500 company now. I am really in tune to building my credit. I would not jeopardize my credit by any means...especially when my career depends on a background check with my credit profile as part of it.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487334
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $4,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.80%  
   
 
Starting lender yield: 28.50% Starting borrower rate/APR: 29.50% / 33.10% Starting monthly payment: $168.71
 
Auction yield range: 10.51% - 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): 5 First credit line: May-2008 Debt/Income ratio: 12%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 7 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $301Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: platinum-bath 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
new horizons school tution
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 487336
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 16.51% Starting borrower rate/APR: 17.51% / 20.85% Starting monthly payment: $269.30
 
Auction yield range: 16.51% - 16.51% Estimated loss impact: 19.21%  
Lender servicing fee: 1.00% Estimated return: -2.70%  
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): 4 First credit line: Aug-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,595Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: social-atizer Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Profitable Factoring Company
Purpose of loan:
This loan will be used to? add factoring clients to our portfolio

My financial situation:
I am a good candidate for this loan because? we are profitable and can easily pay our lenders

Monthly net income: $ 5000

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 250
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487352
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.30%  
   
 
Starting lender yield: 16.51% Starting borrower rate/APR: 17.51% / 20.85% Starting monthly payment: $269.30
 
Auction yield range: 16.51% - 16.51% Estimated loss impact: 19.21%  
Lender servicing fee: 1.00% Estimated return: -2.70%  
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): 4 First credit line: Jun-1999 Debt/Income ratio: 22%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 35 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,914Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: gemmerson 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
Paying off the sins of my youth
Purpose of loan:
This loan will be used to pay off a very high interest rate credit card that I acquired while in college.

My financial situation:
I am a good candidate for this loan because I have a very stable job as a nurse and am very serious about paying off high interest debt quickly. The one good thing on my credit report is that I am ALWAYS on time with my payments. I have started to work quite a bit of overtime in the last 3 months to pay off my high interest credit cards, but figure this is a smarter way to lower my interest rate in the mean time.

Monthly net income: $6,066

Monthly expenses: $160.77
??Housing: $1450
??Insurance: $116.66
??Car expenses: $100
??Utilities: $10
??Phone, cable, internet: $93
??Food, entertainment: $600
??Clothing, household expenses $200
??Credit cards and other loans: $1663.01 (monthly minimums)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487372
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: 16.51% - 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: Jul-1991 Debt/Income ratio: 28%
Credit score: 640-659 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,443Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 116%  
   Homeownership: Yes  
Screen name: revenue-reactor 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: 26 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,150.00< 31 days late: 0 ( 0% )  
580-599 (Sep-2008)
 
Principal balance: $445.74 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
credit card payoff
Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 4000

Monthly expenses: $ 2600
??Housing: $ 982
??Insurance: $ 125
??Car expenses: $ 690
??Utilities: $ 200
??Phone, cable, internet: $ 172
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487396
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $7,500.00 Prosper Rating: B Auction Duration: 7 days
Term: 36 months Estimated loss: 4.95%  
   
 
Starting lender yield: 12.40% Starting borrower rate/APR: 13.40% / 15.55% Starting monthly payment: $254.15
 
Auction yield range: 5.51% - 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: Nov-1988 Debt/Income ratio: 16%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 6Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,973Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: 1GoodMom Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,900.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2009)
 
Principal balance: $3,431.78 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Debt Consolodation-2011
Purpose of loan:
This loan will be used to consolidate debt and attain my goal of becoming debt free.

My financial situation:
I am a good candidate for this loan because I?continue to improve my credit rating each and every year and?am a?current Prosper loan customer, with a perfect payment history. My goal to become debt free has been made possible by the good people of Prosper and I won't dissapoint them with this loan either, as I continue to pay higher interest debt off.? I will actually be saving money monthly, once I pay the other debt off and begin paying on this loan.? I have a?great job with a financially stable company that I enjoy very much and have been at for 7 years.

Monthly net income: $ 3800.00 (I have not included the annual profit sharing we receive every spring, which is extra)

Monthly expenses: $ 2806.00
??Housing: $ 1281.00
??Insurance: $ 130.00 both home and car
??Car expenses: $ none, it's paid off!
??Utilities: $ 250.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $?75.00
??Credit cards and other loans: $ 670.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487402
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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: C Auction Duration: 7 days
Term: 36 months Estimated loss: 8.70%  
   
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 15.23% Starting monthly payment: $249.11
 
Auction yield range: 7.51% - 11.00% Estimated loss impact: 8.93%  
Lender servicing fee: 1.00% Estimated return: 2.07%  
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): 6 First credit line: Mar-1992 Debt/Income ratio: 29%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,838Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: gourd124 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
Pay off debt- Decide.Commit.Succeed
Purpose of loan:
This loan will be used to pay off high interest rate credit cards so I can actually pay them off instead of paying minimum payments

My financial situation:
I am a good candidate for this loan because I have a very stable employment record and have consistently increased my income and receive promotions even in this economy.? I continue to education myself and improve my skills making myself employable.? I currently make $85,000 yr in my full-time job and approximately $10,000 in part-time commission based job I do because I enjoy it.? Over the last couple years my husband's business has slowed due to the state of the economy so we are able to pay bills etc. but my goal is to get rid of all debt allowing us to have more breathing room to save for the future or future dreams of having a business.

Monthly net income: $ 4800 plus part-time commission ranges $800
Monthly expenses: $?3570
??Housing: $?1200
??Insurance: $?200
??Car expenses: $770
??Utilities: $?150
??Phone, cable, internet: $?150
??Food, entertainment: $?600
??Clothing, household expenses $ varies
??Credit cards and other loans: $?300
??Other expenses: $?200 gas
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 487408
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 60 months Estimated loss: 1.55%  
   
 
Starting lender yield: 8.50% Starting borrower rate/APR: 9.50% / 9.72% Starting monthly payment: $315.03
 
Auction yield range: 3.00% - 8.50% Estimated loss impact: 1.55%  
Lender servicing fee: 1.00% Estimated return: 6.95%  
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): 10 First credit line: Apr-1993 Debt/Income ratio: 11%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 68 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $55,548Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: competent-p2p Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Re-Invest on Prosper
Purpose of loan:
This loan will be used to lend on Prosper.

My financial situation:
I am a good candidate for this loan because?I?can efford the payment without any return on my 25K.? I have an additional 2K/mo income from my wife that is not included here.? The revolving credit number is misleading as it includes a HELOC on my primary residence of 52K.? I have no revolving debt outside of that; i use 1 credit card monthly for expenses and pay it off each month (1500-2500/mo) - use it to get the rewards.
Information in the Description is not verified.