Listing Report:Supplement No. 10 dated Dec 29, 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 489179
The following information pertains to the borrower loan being requested, that corresponds to the series 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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $259.62
 
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: May-1998 Debt/Income ratio: 28%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:13y 2m
Amount delinquent: $0 Total credit lines: 48 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,373Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: money-yoga3 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
paying off credit cards
Purpose of loan:
This loan will be used to? I would like to consolidate some higher interest credit cards and pay off the debt faster with a better APR.

My financial situation:
I am a good candidate for this loan because? I have had a professional career for over 13 years with the same company and know with 100% certainity about commitment. My financial situation is stable, I just have multiple credit cards that I would like to condense down into one easy payment with a better APR.

Monthly net income: $ 3442

Monthly expenses: $ 3034
??Housing: $ 908
??Insurance: $ 100
??Car expenses: $ 351
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $?75
??Credit cards and other loans: $?400
??Other expenses: $ 400 medical
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489277
The following information pertains to the borrower loan being requested, that corresponds to the series 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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $218.33
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* 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: Oct-1982 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 6 Current / open credit lines: 2 / 2Length of status:32y 10m
Amount delinquent: $18,067 Total credit lines: 22 Occupation: Postal Service
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $1,718Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: rajincajin Borrower's state: Texas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off doctor bills
Purpose of loan:
This loan will be used to?pay off bills?

My financial situation:
I am a good candidate for this loan because? i have a steady job and really hate owing people

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $?100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489289
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $4,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $155.77
 
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: Sep-1987 Debt/Income ratio: 32%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,744Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: capital-excellence8 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off bills
Purpose of loan:
This loan will be used to?

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

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489297
The following information pertains to the borrower loan being requested, that corresponds to the series 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: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $327.49
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* 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: Jul-1999 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,098Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: kind-agreement-recruiter 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
inventory for small business
Purpose of loan:
This loan will be used to?
Buy inventory and computer for small business
My financial situation:
I am a good candidate for this loan because?
I havent been 30 days late on any loan payment in 11 years.? I would much rather establish a good credit rating with prosper than these big banks.that everyone hates.? My wife is a hair stylist and owns her own salon
Monthly net income: $
3800
Monthly expenses: $
??Housing: $ 642
??Insurance: $ 50
??Car expenses: $ 380
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489301
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $2,600.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,600 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $113.53
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* 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: Sep-1987 Debt/Income ratio: 9%
Credit score: 680-699 (Dec-2010) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 1Length of status:9y 0m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: steady-listing2 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
Vehicle Repairs
Purpose of loan:
This loan will be used to? Make repairs on a vehicle, as we do not feel that we are in a position to take out a larger new car loan at this time.

My financial situation:
I am a good candidate for this loan because? I have steady employment, where the listed monthly payment will not be a hardship to pay monthly and?possibly to pay it off a little sooner by paying a little extra every month.

Monthly net income: $ 3400.00

Monthly expenses: $
??Housing: $ 350.00
??Insurance: $ 197.00
??Car expenses: $?80.00
??Utilities: $ 150.00
??Phone, cable, internet: $?120.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 120.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489329
The following information pertains to the borrower loan being requested, that corresponds to the series 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
Minimum Amount to Fund: $4,900 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 28.50% Borrower rate/APR: 29.50% / 33.10% Monthly payment: $295.25
 
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: Sep-1979 Debt/Income ratio: 30%
Credit score: 800-819 (Dec-2010) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,001Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: rate-allocator5 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
Helping out my son
Purpose of loan:
This loan will be used to?
Help out my son who has fallen on hard times. He is a college graduate and he may have found a job but doesn't start for another 2 weeks.

My financial situation:
I am a good candidate for this loan because? I have the ability to repay. I am trying to figure out how to add my husband on the loan but I haven't figured out how to do that just yet. I sent an email to Prosper and they mentioned they would get back to me in a "few days". Also, I have a clear title on a car that I can put up as collateral if need be. I would rather not but it's a last option.

Monthly net income: $ 4,300

Monthly expenses: $
??Housing: $ 1350.00
??Insurance: $
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489341
The following information pertains to the borrower loan being requested, that corresponds to the series 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: A Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 9.95% Borrower rate/APR: 10.95% / 13.07% Monthly payment: $229.01
 
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: May-1995 Debt/Income ratio: 13%
Credit score: 740-759 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,554Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: elevated-bill Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
clear debt after closing business
Purpose of loan:
This loan will be used to? service debt.? I closed my business of 2 1/2 years in December of 2009 with debt of over $100,000.? I was fortunate to land a job a few months before that closure but staying ahead of the business debt along with personal debt has been very difficult.? I simply want to do the right thing and pay back all that I owe.? Bankruptcy is something I want to avoid at all costs as I feel it is my responsibility to take care of my obligations.

My financial situation:
I am a good candidate for this loan because?both my wife and I have solid jobs with good pay.? We have learned to live in a simple manner since we have faced this debt issue.? We never fell behind before my business failed and we want to get back to that.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489353
The following information pertains to the borrower loan being requested, that corresponds to the series 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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 14.20%  
Term: 36 months  
 
Lender yield: 31.20% Borrower rate/APR: 32.20% / 35.86% Monthly payment: $131.00
 
Lender servicing fee: 1.00% Effective Yield*: 29.77%  
Estimated return*: 15.57%  
* 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: May-1988 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2010) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:2y 8m
Amount delinquent: $110 Total credit lines: 41Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,627 
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: Guisse 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
Volunteer to HUD job bridge loan
Purpose of loan:
This loan will be used to pay for first months rent and security deposit on an apartment and basic living expenses until I begin work on 17 Jan 2011. I returned to the US in July after finishing 2 years of volunteer service. I have exhausted my savings on living expenses while searching for work. I now have a job that will begin next month. I need to find an apartment.

My financial situation:
I am a good candidate for this loan because I am starting a job with HUD on 17 Jan 2011. I have few other debts and a net rental income of $250/mo on my home in another state in addition to my projected income from employment of $3,375 net.

Monthly net income: $ 3,625

Monthly expenses: $
??Housing: $900
??Insurance: $
??Car expenses: $55
??Utilities: $50
??Phone, cable, internet: $100
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $135
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489268
The following information pertains to the borrower loan being requested, that corresponds to the series 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: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 17.07% Monthly payment: $173.08
 
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): 9 First credit line: Oct-2000 Debt/Income ratio: 18%
Credit score: 700-719 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Analyst
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $5,752Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: blue-extraordinary-velocity 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
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off two credit cards that have a combined balance of $5,000.? I've been paying $200-$300 per month, combined, on these balances, but not getting very far.? I feel that a loan?with simple interest, rather than compound, will be easier to pay off.? Also, I'd like to keep increasing my credit score in order to re-finance our mortgage.?

My financial situation:
I am a good candidate for this loan because I'm already paying, minimum, $200 per month on these credit cards.? The main goal of this would be to increase my credit score by removing the balances from my credit profile.? Thereby, increasing chances of re-financing our mortgage at today's good rates.? I'm never late on my credit card payments, nor auto loan.? And, hope to contribute to Prosper, in the future, by offering funds for a loan.

Monthly net income: $3,000

Monthly expenses: $
??Housing: $ 1,100
??Insurance: $
??Car expenses: $ 475
??Utilities: $
??Phone, cable, internet: $ 115
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489304
The following information pertains to the borrower loan being requested, that corresponds to the series 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 1.30%  
Term: 36 months  
 
Lender yield: 6.65% Borrower rate/APR: 7.65% / 7.99% Monthly payment: $311.75
 
Lender servicing fee: 1.00% Effective Yield*: 6.65%  
Estimated return*: 5.35%  
* 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: Jun-1988 Debt/Income ratio: 18%
Credit score: 780-799 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,986Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: doctorj97 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 33 ( 100% ) 780-799 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2008)
 
Principal balance: $1,012.79 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
new deck
Purpose of loan:
This loan will be used to?
build new deck
My financial situation:
I am a good candidate for this loan because? I have good credit and excellent income and have had a loan in good standing with prosper for 3 years that is almost paid off
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489356
The following information pertains to the borrower loan being requested, that corresponds to the series 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 7.00% Borrower rate/APR: 8.00% / 8.34% Monthly payment: $188.02
 
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: Dec-1999 Debt/Income ratio: 22%
Credit score: 760-779 (Dec-2010) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,983Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: commitment-captain 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
commitment-captain
Purpose of loan: This loan will be used to pay off credit card debt while I go back to school part time to become a certified public accountant. My financial situation: I am a good candidate for this loan because I have already attained one masters, and feel confident that with some added financial support I will be able to switch professions from not-for-profit management to accounting services. Additionally, I took out a personal loan with a close friend 4 years ago at 10% annually compounded interest, and paid it off in less than 3 years. Monthly net income: $2,800 Monthly expenses: $2,107 Housing: $837 Insurance: $0 Car expenses: $0 Utilities: $70 Phone, cable, internet: $100 Food, entertainment: $300 Clothing, household expenses $100 Credit cards and other loans: $600 Other expenses: $100
Information in the Description is not verified.