Listing Report:Supplement No. 60 dated Feb 14, 2011 to Prospectus dated Jan 12, 2011
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 Jan 12, 2011 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 Jan 12, 2011 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 493107
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $6,277.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,393.90 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $233.24
 
Lender servicing fee: 1.00% Effective Yield*: 18.55%  
Estimated return*: 9.85%  
* 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-1997 Debt/Income ratio: 11%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 0m
Amount delinquent: $0 Total credit lines: 10 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $618Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: enthusiastic-greenback3 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an motorcycle
I plan to use the loan to upgrade to a newer motorcycle. The bike I have now is on sale. I will use the money earned from that selll to pay down the loan I take out for my new bike. I the spring and summer time I use my bike as a primary means of transport.The bike I really want to get is on sale now, and I don't want to wait until my bike is sold to purchase it. I can make the monthly payments because 1) i have been working 9 years at the same job 2) I do not have any large outstanding balances that would interfer with me paying back the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493261
The following information pertains to the borrower loan being requested, that corresponds to the series 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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* 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): 4 First credit line: Sep-1997 Debt/Income ratio: 13%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 9Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $504Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: pleasant-ore182 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan requested
Purpose of loan:
This loan will be used to?
in case we have an emergancy and also to rebuild our credit.
My financial situation:
I am a good candidate for this loan because?
We currently have very low debt and we are trying to rebuild our credit
Monthly net income: $ 4916.00 this includes my husband's pay.
Monthly expenses: $
??Housing: $1400.00
??Insurance: $ 110.00
??Car expenses: $ 315.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 25.00
??Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493629
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $2,900.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,900 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $99.81
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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-1992 Debt/Income ratio: 35%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 51 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,161Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: triumphant-loyalty 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
Consolidating Credit Card Debt.
Purpose of loan:
This loan will be used to pay off three credit cards.

My financial situation:
I am a good candidate for this loan because I never pay late, I have a Master's Degree, and I have been employed with the same company for over six years. I maintain a monthly budget and follow it closely. My income has increased 5-9% every year due to performance raises/bonuses.

Monthly net income: $2900 ($5200 net household income including spouse) Monthly expenses: $ 4700 for all categories??Housing: $ 746
??Insurance: $86
??Car expenses: $475
??Utilities: $285
??Phone, cable, internet: Included with utilities
??Food, entertainment: $700
??Clothing, household expenses $300
??Credit cards and other loans: $600
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493639
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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: Dec-1999 Debt/Income ratio: 22%
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 29 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,883Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: hope-kin6 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to consolidate all credit card loans into one payment and lower the interests.

My financial situation:
I am a good candidate for this loan because i do not have mortgage payment, no need to pay rent (my employer provides free housing), no alcohol, no smoking, and i am a hard-working person with a Bachelor degree in Industrial Engineering and I have extensive experiences in supply chain operations. I have job security because my employer has long-term contract with big Chinese company who import American products from US to , my firm is exporting the American products to the big Chinese market. I speak both English and Chinese (mandarin and Cantonese), my position is unique at this company. Although my salary is not high, the company provides free housing, free utilities, free phone, cable and internet and phone for me, also company car for me to use.

Monthly net income: $ 3500

Monthly expenses: $ 1025
??Housing: $ 0
??Insurance: $ 75
??Car expenses: $ 0
??Utilities: $?0
??Phone, cable, internet: $ 0
??Food, entertainment: $?350
??Clothing, household expenses $ 50
??Credit cards and other loans: $?450
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493653
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 11.55% Borrower rate/APR: 12.55% / 13.91% Monthly payment: $337.85
 
Lender servicing fee: 1.00% Effective Yield*: 11.51%  
Estimated return*: 8.01%  
* 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: Jan-1968 Debt/Income ratio: 12%
Credit score: 840-859 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:19y 7m
Amount delinquent: $0 Total credit lines: 21 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $618Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: loot-lotus3 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 for Movie Car Purchase
Purpose of loan:
This loan will be used to? purchase car to be used in upcoming independent film in Hollywood.

My financial situation:
I am a good candidate for this loan because? I have been steadily employed for over 30 years, no debt, and own my home free and clear.? Im in excellent health, love my job, and overall doing great!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493775
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $8,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $275.33
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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-1993 Debt/Income ratio: 21%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 15 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,340Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: leverage-artisan4 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
I'd Rather Pay You Than Them!
I am a young pharmacist (26 years old) with a stable job and awesome income ($100K +). I have been working in my current job for about two and a half years and love it. My current personal goal is to become financially sound and debt free. I want to accomplish this task before 30, so here's where I hope you come into play.

On one of my particular credit cards, I have ~$7500 balance. This particular banking institution is making me mad. Even though I have given them a good amount of business over the years, my credit report has always remained stable with scores above 700, and my income is verifiable and above average, they are trimming my credit limit and increasing my APR. Complaints to them have yielded no results. Instead of paying interest to a greedy company, I would much rather use the peer to peer loaning to pay you instead of them! (Hence the title of this listing).

I am a good candidate for this loan because: 1) Stable job, above average income, single, no kids. 2) No student loans. 3) Never have missed a payment on any bill ever. 4) I plan on pre-paying this loan off early before the 3 years is up. (Most likely in 1-2 years).

Net Income per month: ~$5000
Monthly expenses:
Housing: $1700 (Mortgage, includes taxes and escrow)
Insurance (Truck, Sea Doo, Life, Personal Articles): $250.00
Car expenses: ~$500.00
Utilities: ~$200-300
Home Phone, cable, internet, cell phone, security system: $300.00
Food, entertainment: $ Variable?? Let's say $400.00-500.00
Credit cards (not including the one for this listing): $400.00 (Other credit cards have 0% APR till end of 2011, and will be almost fully paid off this this year's tax refund and yearly bonus).
Other expenses: Savings deposit. Whatever comes up? Variable.

Thanks for your help!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493787
The following information pertains to the borrower loan being requested, that corresponds to the series 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: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $172.08
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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: Oct-1996 Debt/Income ratio: 17%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 13Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,528Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: top-ethical-wealth 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
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 493805
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $14,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $429.40
 
Lender servicing fee: 1.00% Effective Yield*: 5.55%  
Estimated return*: 4.00%  
* 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-1998 Debt/Income ratio: 14%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 12 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,699Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: bright-gold8 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
Debt Consolidation
Purpose of loan:
I will consolidate?the bulk?of my?credit card debt to one loan with a lower rate.?

My financial situation:
I am a senior manager at a publicly traded?company. I am a skilled computer engineer and manager.?I need to consolidate my debt and move it to a lower rate so I can pay it off quicker. I will be completely out of credit card debt in?3 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493823
The following information pertains to the borrower loan being requested, that corresponds to the series 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: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* 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: Jun-1994 Debt/Income ratio: 13%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 9Length of status:9y 0m
Amount delinquent: $134 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,497Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: responsibility-tycoon 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
BAILEEPUP
Purpose of loan:
This loan will be used to consolidate my 3 credit cards into 1 monthly payment

My financial situation:
I am a good candidate for this loan because?I have a very good job, and have been here a very?long time. I also see that it?would be easier to consolidate than to make 3 separate monthly payments.?

Monthly net income: $ 2383.00

Monthly expenses: $
??Housing: $?0??Insurance: $ 0
??Car expenses: $ 530.00
??Utilities: $?250.00
??Phone, cable, internet: $?100
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493654
The following information pertains to the borrower loan being requested, that corresponds to the series 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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* 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: Aug-1987 Debt/Income ratio: 21%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,305Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: independent-fairness7 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
dmwb2000
Purpose of loan:
This loan will be used to help?my disabled brother with his finances
My financial situation:
I am a good candidate for this loan because I will pay my debt on time.
Monthly net income: $ 2768.10

Monthly expenses: $
??Housing: $ 250
??Insurance: $ 120????
??Car expenses: $ 471????
??Utilities: $ 200
??Phone, cable, internet: $ 1400?
??Food, entertainment: $ 300
??Clothing, household expenses $ 50?
??Credit cards and other loans: $ 250
??Other expenses: $ 80
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493662
The following information pertains to the borrower loan being requested, that corresponds to the series 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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 21.34% Monthly payment: $72.29
 
Lender servicing fee: 1.00% Effective Yield*: 16.60%  
Estimated return*: 8.90%  
* 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-1998 Debt/Income ratio: 18%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $354Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: payment-mastery0 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,600.00< 31 days late: 0 ( 0% )  
640-659 (Apr-2010)
 
Principal balance: $1,247.34 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
gummer54
Purpose of loan:
This loan will be used to? consolidate loans

My financial situation:
I am a good candidate for this loan because? i pay bak on time and i have a good track record

Monthly net income: $ 1960.00

Monthly expenses: $
??Housing: $?200.00
??Insurance: $ 25.00
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 25
??Food, entertainment:100.00
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 8000.00
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493778
The following information pertains to the borrower loan being requested, that corresponds to the series 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: B Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $206.50
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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-1993 Debt/Income ratio: 8%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,183Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: benefit-whomper 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
Down Payment on Rental Property
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 493784
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $3,800.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,660 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $155.12
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* 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: Dec-1995 Debt/Income ratio: 11%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:20y 10m
Amount delinquent: $0 Total credit lines: 9 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: No  
Screen name: charming-return3 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
kpe's car
Purpose of loan:
This loan will be used to purchase a car that doubles the gas mileage of what i currently drive

My financial situation:
I am a good candidate for this loan because the cost of the loan will be more than made up by the monthly fuel cost savings

Monthly net income: $ 3,025

Monthly expenses: $
??Housing: $ 330
??Insurance: $ 120
??Car expenses: $ 0 except fuel
??Utilities: $ 60
??Phone, cable, internet: $ 60
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493796
The following information pertains to the borrower loan being requested, that corresponds to the series 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: $2,150.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,150 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $79.89
 
Lender servicing fee: 1.00% Effective Yield*: 18.55%  
Estimated return*: 9.85%  
* 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: Dec-1994 Debt/Income ratio: 31%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:15y 9m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,534Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: shantomusic 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
Need an iMac and digital HD camera
Purpose of loan: purchase necessary, but minimal, equipment needed for shooting and editing video
This loan will be used to? purchase an iMac and Digital HD camera. My partner and I are developing a blog and the content is going to feature webisode. It is an informative blog and we are approaching it very professionally. We hope to gain sponsorship and turn it into a profitable business.

My financial situation: recently divorced and stuck with a lot of debt
I am a good candidate for this loan because? have a unique vision that I would like to see materialize. I have a lot of debt, but I've never had a missed or late payment. I'm looking for a break and a way to dig out.

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 493814
The following information pertains to the borrower loan being requested, that corresponds to the series 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: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $240.91
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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: Nov-1996 Debt/Income ratio: 6%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,835Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: new-unabashed-wealth 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 c-cards with current 24.99% APR
Purpose of loan:
This loan will be used to pay off credit cards with a current 24.99% APR.

My financial situation:
I am a good candidate for this loan because I always pay everything I buy on time every time. My credit score is extremely important to me and I take good care of it. I pay this credit cards on time but the high interest rate does not allow for much of?the principal reduction. If I could get this loan, I will pay off this credit card loans with the same payment I am currently making in about 2 years.?Any help will be greatly appreciated. Thank you very much.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493820
The following information pertains to the borrower loan being requested, that corresponds to the series 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: C Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 21.34% Monthly payment: $271.11
 
Lender servicing fee: 1.00% Effective Yield*: 16.60%  
Estimated return*: 8.90%  
* 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: Oct-2001 Debt/Income ratio: 18%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 11 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,847Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: 1stone Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 97% ) 680-699 (Latest)
Principal borrowed: $8,000.00< 31 days late: 1 ( 3% )  
600-619 (Jul-2009)
640-659 (Jan-2007)
620-639 (Aug-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Working Capital
Purpose of loan:
This loan will be used to purchase new equipment for my business.

My financial situation:
I am a good candidate for this loan because i have successfully borrowed $8000 from the prosper community before and paid off my loan without ever being late.

Monthly net income: $ 4600

Monthly expenses: $
? Housing: $ 550
? Insurance: $ 0
? Car expenses: $ 0
? Utilities: $
? Phone, cable, internet: $ 175
? Food, entertainment: $ 400
? Clothing, household expenses $ 200
? Credit cards and other loans: $ 675
? Other expenses: $ 200
Information in the Description is not verified.