Listing Report:Supplement No. 3 dated Dec 21, 2010 to Prospectus dated Dec 20, 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 Dec 20, 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 Dec 20, 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 488475
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,100.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 26.75% Borrower rate/APR: 27.75% / 31.31% Monthly payment: $292.72
 
Lender servicing fee: 1.00% Effective Yield*: 26.08%  
Estimated return*: 16.28%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1985 Debt/Income ratio: 38%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:27y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,730Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: BradPDX Borrower's state: Oregon 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: 0 / 2 On-time: 19 ( 100% ) 700-719 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2009)
680-699 (Jul-2009)
660-679 (Jul-2008)
640-659 (Aug-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Refinance to Improve Cash Flow
Purpose of loan: Refinance a loan?to improve?monthly?cash flow (~$200) to supplement my Roth IRA.My financial situation:?I have reduced my revolving debt?by more than 1/2 and continuing to accelerate that process.?I am not interested in incurring new debt but balancing out monthly payments and available cash flow with a new loan term. I have good job security being with the same agency for over 30 years and have the highest seniority in my job class.? My DTI ratio would decline. I paid off two previous Prosper loans.Monthly net income: $ 4400
Monthly expenses: $?3145?
??Housing: $?600??
? Insurance: $?105?
??Vehicle: $ 300?
??Utilities: $?75??
? Phone, cable, internet: $?150??
? Food, entertainment: $ 250??
? Clothing, household expenses $?60??
? Credit cards and other loans: $ 1400??
? IRA/Savings:? $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 26.75% Borrower rate/APR: 27.75% / 31.31% Monthly payment: $123.69
 
Lender servicing fee: 1.00% Effective Yield*: 26.08%  
Estimated return*: 16.28%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1982 Debt/Income ratio: 44%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 13 / 14Length of status:0y 2m
Amount delinquent: $1,846 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,621Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: whitestache 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: 35 ( 100% ) 740-759 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
700-719 (Dec-2007)
 
Principal balance: $514.95 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Need a second used car
Purpose of loan:
This loan will be used to purchase a second used vehicle.
My financial situation:
I am a good candidate for this loan because I am making my last payment on my Prosper loan this month. 100% on time @ 520.00 a month. We had 1 delinquent payment (not to Prosper)?due to a bad month -?property taxes due that month over 6000.00?and had a major purchase for hearing aids 5575.00. I have just recently retired and?I'm recieving a pension. I am currently in the hiring process for another job which will boost my income greatly.
Monthly net income: $ Mine 4500.00
??????????????????????????????????? Wife 1485.60
Monthly expenses: $
??Housing: $ 1678.26
??Insurance: $ 455.00
??Car expenses: $ 516.00
??Utilities: $ 130.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 25.00-50.00
??Credit cards and other loans: $ 250.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488505
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $316.34
 
Lender servicing fee: 1.00% Effective Yield*: 27.78%  
Estimated return*: 16.98%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1990 Debt/Income ratio: 37%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:8y 2m
Amount delinquent: $0 Total credit lines: 45 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,539Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: Yes  
Screen name: capital-zebra265 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 Bills
Purpose of loan:
This loan will be used to?consolidate and pay bills so that the payment will be smaller.? My financial situation: I am a good candidate for this loan because?I have good credit, pay timely and have never missed a payment. Monthly net income: $3300 Monthly expenses: $ Housing: $1585 including taxes and insurance ??Insurance: $86?car insurance?Car expenses: $363?Utilities: $300??Phone, cable, internet: $225 ?Food, entertainment: $300 Clothing, household expenses $ ?Credit cards and other loans: $200 ??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,200.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $219.33
 
Lender servicing fee: 1.00% Effective Yield*: 27.78%  
Estimated return*: 16.98%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1998 Debt/Income ratio: 57%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 44 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,781Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: charming-affluence1 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
PayoffCompoundedHightInterestDebt
Purpose of loan:
This loan will be used to?consolidate debt and?car loan.

My financial situation:
I am a good candidate for this loan because I am a low risk investment. I have knowledge of financial accounting. This loan lowers interest expense by repaying one consolidated debt saving interest expense per time. Current payoff for 3 yrs are: ~$341 per mos. @ avg ~21% compounded interest at cost of ~$4975 for 36 mos. Its more economical to repay over 36 months at the investors rate than the ~21% compounded interest. I am less likely to default at a lower rate and debt to income ratio this loan will provide. These debts must be repaid and I have a higher probability to repay a lower payment due to avail budget.

Monthly net income: $3045

Monthly expenses:
Housing:$672
Insurance:$39
Car expenses:$438?3 payments remaining
Utilities:$388
Phone, cable, internet:$60
Food, entertainment:$400
Clothing, household expenses$205
Credit cards and other loans:$341
Other expenses:$270 pretax deductions
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488543
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 7.00% Borrower rate/APR: 8.00% / 8.34% Monthly payment: $783.41
 
Lender servicing fee: 1.00% Effective Yield*: 7.00%  
Estimated return*: 5.45%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-1986 Debt/Income ratio: 17%
Credit score: 820-839 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 36 Occupation: Clergy
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,514Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: mondaymorning Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Expansion
Purpose of loan:
In addition to my main employment of pastor, I have had for the last 7 years a small business?commercial fishing in Bristol Bay Alaska.? Bristol Bay is the largest?sockeye salmon run in the world.??I?own and have completely paid for?my Boat and permit.??(You can see the permit and boat?values?at brokerage sites like GSIboat.com or dockstreetbrokers.com)???I am currently having an RSW (refrigerated sea water) system installed at a cost of 50,000 which I have paid for.??That system creates the opportunity for additional bonus of 10 cents per pound.? (I average about 95,000 pounds a season)? This loan will help me to be able to purchase another permit to fish on my boat.? That allows another 33% length of net to catch more fish and with the increase of the RSW bonus should provide an additional 20,000 to 25,000 of income with little additional expense.? (Since most of the overhead of travel and boat operation are already incurred.?

By purchasing this permit before the summer fishing season I will be able to optimize my income this summer.

My financial situation:
Except for 83,000 owed on my house we are debt free as we pay off our card each month and use it to get cash back bonus.? Currently our cars paid for and my fishing boat and first permit are paid for as well as the new RSW system.? The boat value is 100,000 and when the installation of the RSW is completed in the spring will be an asset of 150,000.? In addition my permit is valued at 125,000.

Our only regular monthly payment is the house which is 599.?
Our additional living expenses are 2,400 per month
For a total of 3,000 per month.That leaves us an extra 1,000 from my first job each month to save.We do not budget or spend the fishing income, but are using it to build up the business.??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $346.16
 
Lender servicing fee: 1.00% Effective Yield*: 13.67%  
Estimated return*: 7.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1987 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,267Stated income:$0
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: attentive-openness5 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
New business start funding
Purpose of loan:
This loan will be used to?I'm starting a new job, I would like to use the money for expenses.

My financial situation:
I am a good candidate for this loan because?I have great credit rating, the new business startup is an Insurance venture. Although the work is based on commission, the average agent generally makes no less than $50000/yr the first year.

Monthly net income: estimated 4500$-6000$

Monthly expenses: 1500$
??Housing: 1000$
??Insurance: 0$
??Car expenses: 300$
??Utilities: 0$
??Phone, cable, internet: 0$
??Food, entertainment: 0$
??Clothing, household expenses 0$
??Credit cards and other loans: 0$
??Other expenses: estimated 200$
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488559
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.50%  
Term: 12 months  
 
Lender yield: 8.70% Borrower rate/APR: 9.70% / 15.49% Monthly payment: $175.55
 
Lender servicing fee: 1.00% Effective Yield*: 8.68%  
Estimated return*: 5.18%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Apr-1988 Debt/Income ratio: 4%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 26 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: green-precious-return 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
Launch New Business
Purpose of loan:
This loan will be used to launch my new business, all of the capital will be used for equipment,? office supplies and new things for the business.

My financial situation:
I am a good candidate for this loan because I've always paid my bills on time and I can be trusted.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488565
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $253.07
 
Lender servicing fee: 1.00% Effective Yield*: 27.78%  
Estimated return*: 16.98%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1999 Debt/Income ratio: 40%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 13 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,546Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: green-leverage-balance Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Hard Worker seeks Personal Loan
Purpose of loan:
This loan will be used to pay for an MRI and small surgical procedure on my shoulder (torn labrum) so I can continue on my path to a strong credit profile - which I take very seriously.

My financial situation:
I am an excellent candidate for this loan because I am not overextending myself to make the payments, I take my credit profile very seriously,? and I actually enjoy doing things to continue building and improving my credit! I am a "thrifty saver" that is patiently paying off his ex-wife's poor decisions from being an "impulse-spender". Also, I am quite satisfied with the things that I have in my home and my life, and therefore, am not prone to give in the mentality of trying to "keep up with the Joneses".?

Monthly net income: $ 3100

Monthly expenses: $ 1400
??Housing: $ 300
??Insurance: $ 40
??Car expenses: $ 50
??Utilities: $ 70
??Phone, cable, internet: $ 140
??Food, entertainment: $ 260
??Clothing, household expenses $ 80
??Credit cards and other loans: $400
??Other expenses: $ 30
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488571
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 12.95% Borrower rate/APR: 13.95% / 15.33% Monthly payment: $255.67
 
Lender servicing fee: 1.00% Effective Yield*: 12.90%  
Estimated return*: 9.40%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Aug-1999 Debt/Income ratio: 11%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:13y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,583Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: zippy-marketplace0 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay of my debt and also purchase a new used car.

My financial situation:
I am a good candidate for this loan because? i'm a responsible, punctual individual. I pay my bills on time.?I would like to just?make one payment instead of different payment to different company.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488589
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 4.95%  
Term: 12 months  
 
Lender yield: 10.90% Borrower rate/APR: 11.90% / 17.72% Monthly payment: $177.60
 
Lender servicing fee: 1.00% Effective Yield*: 10.72%  
Estimated return*: 5.77%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1993 Debt/Income ratio: 44%
Credit score: 720-739 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 40 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $57,041Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: dfaulkner Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 35 ( 88% ) 720-739 (Latest)
Principal borrowed: $8,001.00< 31 days late: 5 ( 13% )  
760-779 (Aug-2009)
780-799 (Oct-2008)
760-779 (Sep-2008)
680-699 (Aug-2006)
 
Principal balance: $1,268.71 31+ days late: 0 ( 0% )
Total payments billed: 40  
Description
Inventory for 2011 Season
Purpose of loan:
The purpose of this loan is to prepare for the upcoming 2011 football season. While i am awaiting a sponsorship that is said to be paid in late January, i wanted to take advantage of the current specials that will be available to us prior to the first of the year. The merchandise we are currently considering is resale-able items that will generate income during the season.

My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan. I have always been responsible for my obligations. I am currently employeed full time and also have picked up a part-time job to help ensure adequate preseason funding.

Monthly net income: $ 3200.00 alone / 6100.00 combined

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 170
??Car expenses: $ 494
??Utilities: $ 140
??Phone, cable, internet: $ 200
??Food, entertainment: $ 450
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 735
??Other expenses: $ 160
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488560
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $84.36
 
Lender servicing fee: 1.00% Effective Yield*: 27.78%  
Estimated return*: 16.98%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-2000 Debt/Income ratio: 16%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 33 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,535Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: finance-star875 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
new appliances
Purpose of loan:
This loan will be used to buy new appliances for my house.

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 488564
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $316.34
 
Lender servicing fee: 1.00% Effective Yield*: 27.78%  
Estimated return*: 16.98%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1992 Debt/Income ratio: 26%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:6y 7m
Amount delinquent: $212 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $207,690Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: value-negotiator2 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
I plan to use this loan to purchase a used car. My current car needs several repairs but already has over 150K miles on it. It would be a waste of money to repair the car at this point.

I work full-time as a sales associate and my living expenses are very low since I do not have monthly rent or mortgage to pay. I co-own my home with my son, who makes the $500 monthly mortgage & fee payments to repay a loan I gave him several years ago.

My high revolving credit balance and high bankcard utilization are due to several joint student loans and credit cards I share with my daughter. I opened these lines of credit to help her through medical school. She recently graduated and began residency and will bear the responsibility of repayment on her own. Most of her student loans will remain in deferment for the next 3 years, she makes the payments on those that are in repayment now.

Of the ten credit lines on my credit report, one is reported as delinquent. This is an account that belonged to my ex-spouse which I dispute and which Experian is currently investigating.

Despite that one delinquent account, my credit score is over 700. I feel that my strong credit history, low cost of living, and established employment/income combine to make me a good credit risk and investors should feel confident that they will get a return on a loan to me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488568
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 26.75% Borrower rate/APR: 27.75% / 31.31% Monthly payment: $82.46
 
Lender servicing fee: 1.00% Effective Yield*: 26.08%  
Estimated return*: 16.28%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-2000 Debt/Income ratio: 30%
Credit score: 640-659 (Nov-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 15 / 15Length of status:5y 11m
Amount delinquent: $147 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,536Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: enticing-marketplace5 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
660-679 (Feb-2010)
 
Principal balance: $1,179.85 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
down payment on an engagement ring
Purpose of loan:
This loan will be used to?
Put a down payment on an engagement ring
My financial situation:
I am a good candidate for this loan because?
Although my credit score isn't the greatest and I had a financial hardship a little over a year ago, I always have paid off any loan I have ever had whether it has been my jetski, car payment or payments on student loans

Monthly net income: $
2500.00

Monthly expenses: $
??Housing: $ 780.00
??Insurance: $ 108.00 every other month
??Car expenses: $ 315.00
??Utilities: $ 350.00
??Phone, cable, internet: $
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 50.00
??Other expenses: $ 150.00 student loans
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488574
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 7.00% Borrower rate/APR: 8.00% / 8.34% Monthly payment: $156.68
 
Lender servicing fee: 1.00% Effective Yield*: 7.00%  
Estimated return*: 5.45%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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: Sep-1994 Debt/Income ratio: 8%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,234Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: freshmaker166 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? lower interest rate on outstanding credit card accounts

My financial situation:
I am a good candidate for this loan because? I have demonstrated my ability to pay my debts on time every time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488580
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $294.44
 
Lender servicing fee: 1.00% Effective Yield*: 9.92%  
Estimated return*: 6.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jul-2001 Debt/Income ratio: 14%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 15 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,555Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: bid-philosopher9 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
Debt Consolidation
I'm looking to do some debt consolidation and have one monthly payment. I have a great credit score and a solid income along with a promotion in the near future with a pay raise.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 488586
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 26.75% Borrower rate/APR: 27.75% / 31.31% Monthly payment: $288.60
 
Lender servicing fee: 1.00% Effective Yield*: 26.08%  
Estimated return*: 16.28%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2006 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $103Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: Jesse1212 Borrower's state: Montana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Investment Business
Purpose of loan:
This loan will be used to fund my semi-initial entry into the Forex market. I have already personally invested over $4,000 to start myself off. I plan to have this loan paid off within one fiscal year. Your support is appreciated and I look forward to doing business with you.

My financial situation:
I have steady income from the military and will be coming upon roughly $14,000 within 6 months from now. I am pursuing Forex immediately as I have a very strong strategy that yields low gains but yields them roughly 50 times a day.

Monthly net income: $ Roughly $4,000.

Monthly expenses: $
??Housing: $ 100
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 200
Information in the Description is not verified.