Listing Report:Supplement No. 1 dated Feb 17, 2011 to Prospectus dated Feb 16, 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 Feb 16, 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 Feb 16, 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 489568
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: $9,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 20.32% Monthly payment: $338.65
 
Lender servicing fee: 1.00% Effective Yield*: 15.63%  
Estimated return*: 7.93%  
* 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-1989 Debt/Income ratio: 27%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 27 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,868Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: redemma 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 / 1 On-time: 34 ( 100% ) 780-799 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
760-779 (Jul-2010)
700-719 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Consolidating New Homeowner Debts
Purpose of loan: Debt Consolidation
This loan will be used to... Pay off higher-rate debt.

My financial situation:
I am a good candidate for this loan because after debt consolidation, I have budgeted to pay $150 extra principal monthly.


Monthly net income: $8700
Monthly expenses: $6600
Housing: $2100
Insurance: $250
Car expenses: $350
Utilities: $250
Phone, cable, internet: $350
Food, entertainment: $1000
Clothing, household expenses: $1000
Credit cards and other loans: $500
Other expenses: $1250 (Daycare)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493228
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: $12,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $442.85
 
Lender servicing fee: 1.00% Effective Yield*: 18.06%  
Estimated return*: 9.36%  
* 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: Aug-1993 Debt/Income ratio: 55%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 20Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 49 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61,500Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: power-taco Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
showhorse
Purpose of loan:
This loan will be used to...consolidate

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


Monthly net income: $4000
Monthly expenses: $3000
Housing: $1000
Insurance: $150
Car expenses: $300
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $600
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493496
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,600 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $96.61
 
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: May-1991 Debt/Income ratio: 24%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:34y 5m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $52,495Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: credit-position0 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
doombie22
Purpose of loan:
This loan will be used to? to buy a guitar amplifier for my second job

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

Monthly net income: $ 2404.00

Monthly expenses: $
??Housing: $ 265
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 350
??Phone, cable, internet: $ 90
??Food, entertainment: $ 120
??Clothing, household expenses $ 50
??Credit cards and other loans: $?
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493956
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: $15,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 8.55% Borrower rate/APR: 9.55% / 11.65% Monthly payment: $480.84
 
Lender servicing fee: 1.00% Effective Yield*: 8.53%  
Estimated return*: 5.03%  
* 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: Sep-1996 Debt/Income ratio: 17%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 22Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 57 Occupation: Realtor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $35,706Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: mystical-penny3 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
ACC Gaming
Purpose of loan:
This loan will be used to? Start a new buisness

My financial situation:
I am a good candidate for this loan because?I allready own a established buisness, I have allways paid all my bills on time. On this loan I plan to?have it paid off before the term. I also have 1099's to prove Income well over $250,000 not including my K-1 from my llc.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493962
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: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
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-1994 Debt/Income ratio: Not calculated
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 56 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,035Stated income:$75,000-$99,999
Delinquencies in last 7y: 18 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: CraigsListGod 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: 0 / 1 On-time: 6 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,600.00< 31 days late: 0 ( 0% )  
760-779 (Feb-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Excellent ROI on a proven business!
Purpose of loan:
This loan will be used to help fund manaement company for a new, web and phone-based business launching in Feb 2011.?

My financial situation:
I am a good candidate for this loan because i have a history with Prosper.com, and the investor can expect an excellent ROR in a short amount of time.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 200????
??Car expenses: $ 400????
??Utilities: $?200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494102
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: $3,600.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,520 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $123.90
 
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-1991 Debt/Income ratio: 18%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 5 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,475Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: magnetic-contract 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
Scientist paying tuition
Purpose of loan:
This loan will be used to pay off student loans and credit card debt

My financial situation:
I am a good candidate for this loan because I have a steady job and great credit score. Moreover, I have very little expenses due to a low rent and currently no car.

Monthly net income: $ 2500

Monthly expenses: $ 1160
??Housing: $ 550
??Insurance: $ 15
??Car expenses: $ 0
??Utilities: $ 20
??Phone, cable, internet: $ 25
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494126
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: $3,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 1.30%  
Term: 12 months  
 
Lender yield: 3.99% Borrower rate/APR: 4.99% / 5.93% Monthly payment: $299.61
 
Lender servicing fee: 1.00% Effective Yield*: 4.00%  
Estimated return*: 2.70%  
* 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: Oct-1996 Debt/Income ratio: 10%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 25 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,124Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: ToddN Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
760-779 (Apr-2010)
 
Principal balance: $3,840.82 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Paying off Prosper more quickly!
Hi, thanks for visiting!

I'm an excellent candidate for this loan because I've demonstrated my ability over the last 15 years to pay my obligations on time -- including the last nine months here at Prosper.

The proceeds of this loan will be used to pay off the lion's share of the outstanding balance on my current Prosper loan. There are 27 payments left on that loan -- with this consolidation it will be paid off by May. And I will be completely out from under the original loan in February 2012, rather than May 2013.

There is ample room in my budget for the additional $150/month that this loan will cost. And I will be able to meet the small outstanding obligation the original loan without difficulty.

Thanks for your consideration. Please let me know if you have any questions!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494134
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: $19,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $13,300 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $582.76
 
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: Oct-2003 Debt/Income ratio: 7%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,278Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: integrity-lion0 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
Medical/investment personal loan
Purpose of loan:
This loan will be used to fund personal obligations including, but not limited to, medical expenses and investment expenses.

My financial situation:
I am a good candidate for this loan because I have never missed any payment to any creditor in my entire loan history.??I have immaculate credit history spanning over 7 years. I have a good job and have made over $100k each of the past two years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494148
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
Minimum Amount to Fund: $2,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $80.57
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* 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: Nov-1984 Debt/Income ratio: 15%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:15y 5m
Amount delinquent: $0 Total credit lines: 32 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,086Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: blondie50 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
Personal Loan
Purpose of loan:
This loan will be used to? pay IRS for 2010 taxes owed and to pay off a small balance credit card.

My financial situation: I am a good candidate for this loan because? even though I've had some credit issues in the past due to participating in a debt settlement program, I have been working hard to restore my excellent credit rating that I had prior to the misfortune of being misled in the debt settlement process.? Since this bad decision to participate in a debt settlement program, I have been successful in obtaining and paying off 2 installment loans.? I do work 2 jobs and have 2 sources of income.? I am single and work hard.

Monthly net income: $ 2160?????
Monthly expenses: $ 1,457??Housing: $ 300
?Insurance: $ 130
?Car expenses: $ 100
?Utilities: $ 183
?Phone, cable, internet: $ 178
?Food, entertainment: $ 100
?Clothing, household expenses $?100
?Credit cards and other loans: $ 358
?Other expenses: $ 8
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494154
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
Minimum Amount to Fund: $5,250 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $286.39
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* 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: May-1993 Debt/Income ratio: 17%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:11y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,353Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: GroverVIP Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 740-759 (Latest)
Principal borrowed: $1,981.00< 31 days late: 0 ( 0% )  
680-699 (Dec-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
I'll take $300 bucks from Prosper
This loan will be used to Debt Consolidation.

I am a good candidate for this loan because I have a steady job.

Happy Birthday Prosper - Thanks for the free $300 bucks!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494156
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: $5,600.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,920 Estimated loss*: 4.95%  
Term: 36 months  
 
Lender yield: 9.99% Borrower rate/APR: 10.99% / 13.11% Monthly payment: $183.31
 
Lender servicing fee: 1.00% Effective Yield*: 9.83%  
Estimated return*: 4.88%  
* 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-2000 Debt/Income ratio: 18%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,168Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: generosity-resonance Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 760-779 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
780-799 (Jun-2010)
 
Principal balance: $6,406.25 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
My loan for an auto purchase
Purpose of loan:
This loan will be used to purchase a used car. Sold my last car, a Ford Taurus which was financed with a short-term loan (bought car from family). Buying a newer Honda for improved fuel economy and better reliability.

My financial situation:
I am a good candidate for this loan because I have more than enough discretionary income to cover the monthly payments. Also, I have nearly a year of solid payment history on Prosper. I have broken out the income and expenses below.

Future Situation (Including this proposed loan)
Monthly net income: $ 5200
Monthly expenses: $ 4403
Housing: $ 1900
Insurance: $ 80
Car expenses: $ 513
Utilities: $ 250
Phone, cable, internet: $ 260
Food, entertainment: $ 500
Clothing, household expenses: $ 300
Credit cards and other loans: $ 600
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494164
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: $3,359.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,359 Estimated loss*: 5.95%  
Term: 12 months  
 
Lender yield: 11.99% Borrower rate/APR: 12.99% / 18.83% Monthly payment: $300.00
 
Lender servicing fee: 1.00% Effective Yield*: 11.79%  
Estimated return*: 5.84%  
* 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: Jun-1997 Debt/Income ratio: 14%
Credit score: 860-879 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 20Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 43 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,868Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: red-camaraderi-bandit 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
Small loan with 0 risk
Purpose of loan:
To pay for a new appliance.

My financial situation:
I am a perfect candidate since I have no other debt except mortgage and I always pay off my credit card bills in full.

Monthly net income: $6333
ALL Monthly expenses (including mortgage and utilities): $4500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494170
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: $3,450.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,450 Estimated loss*: 3.50%  
Term: 12 months  
 
Lender yield: 7.20% Borrower rate/APR: 8.20% / 13.97% Monthly payment: $300.43
 
Lender servicing fee: 1.00% Effective Yield*: 7.19%  
Estimated return*: 3.69%  
* 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: Jun-1998 Debt/Income ratio: 14%
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 16Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 39 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $68,998Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: unrivaled-fund025 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
Reapirs to roof of rental house
Purpose of loan:
This loan will be used to help put a new roof on my rental house.

My financial situation is excellent.

I am a good candidate for this loan because I am employed with a good job that pays well. I am a senior systems analyst, and have been with my company for over 6 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494176
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*: 4.95%  
Term: 36 months  
 
Lender yield: 9.99% Borrower rate/APR: 10.99% / 13.11% Monthly payment: $196.40
 
Lender servicing fee: 1.00% Effective Yield*: 9.83%  
Estimated return*: 4.88%  
* 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: Mar-1983 Debt/Income ratio: 28%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 20Length of status:14y 0m
Amount delinquent: $0 Total credit lines: 58 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,140Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: meteoric-dough 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 780-799 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
780-799 (Oct-2010)
800-819 (Jun-2010)
800-819 (Dec-2009)
 
Principal balance: $3,866.66 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Small home improvement loan needed
Purpose of loan:
This loan will be used to...Create a finished basement for added living space and to increase value of our home. We are choosing Prosper for a loan because it is a sensible way to leverage our money at this time.

My financial situation:
I am a good candidate for this loan because...I have been with my company in an upper management position for 15 years.


Monthly net income: $20,000
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 494178
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: 12.99% Borrower rate/APR: 13.99% / 16.15% Monthly payment: $273.38
 
Lender servicing fee: 1.00% Effective Yield*: 12.77%  
Estimated return*: 6.82%  
* 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: Sep-2003 Debt/Income ratio: 21%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,001Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: wealth-captain 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
Graduate School Debt
Purpose of loan:
This loan will be used to consolidate credit card debt.

My financial situation:
I am a good candidate for this loan because I have a stable job and high income with little expenses. I am also highly educated with an undergraduate degree in mechanical engineering and masters in technology management. I am interested in consolidating credit card debts from my time in graduate school.

Monthly Budget:

Monthly net income: $5,000
Housing: $415
Car Insurance: $180
Car expenses: $235
Utilities: $130
Phone, cable, internet: $30
Student loans: $303.63
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494192
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*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $276.78
 
Lender servicing fee: 1.00% Effective Yield*: 18.06%  
Estimated return*: 9.36%  
* 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-1997 Debt/Income ratio: 7%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:21y 9m
Amount delinquent: $80 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,450Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: mystical-ore 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
Strawberry
Purpose of loan:
This loan will be used to finance a funeral.

My financial situation:
I am a good candidate for this loan because I have been working for the federal government for over 22 years. I am rebuilding from a terrible divorce.
Monthly net income: $5000.00
Monthly expenses: $
Housing: $2292.93
Insurance: $141.00
Car expenses: $0
Utilities: $200.00
Phone, cable, internet: $155.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $450.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494200
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: $10,450.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,315 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 12.99% Borrower rate/APR: 13.99% / 16.15% Monthly payment: $357.11
 
Lender servicing fee: 1.00% Effective Yield*: 12.77%  
Estimated return*: 6.82%  
* 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-2002 Debt/Income ratio: Not calculated
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 13 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,819Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: AmericanDream1984 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
Starting a Website
Purpose of loan:
This loan will help me start a website like backpage.com, but targeting West Africa. The sites here are poor and don't do any marketing. I will be here for 6 more months before leaving to get my MBA from Northwestern Univ. My developers will finish the site in 4 more weeks. The remainder of my start-up costs are below. I will use my savings and income for the rest.

Developers $4,100
Marketing $5,000
Legal $400
Contingency $950

My financial situation:
I am a good candidate for this loan because I have great credit and meticulously manage my finances. My income easily covers the loan payments and I plan to pay off the loan in July. My employer provides me a car/fuel, and I live with family (no rent/mortgage). My expenses are mostly eating out and entertainment, and can easily come down.

Monthly Net Income: $3,180
Monthly expenses: $1,279
Phone/Internet: $279
Food & Ent: $550
Credit Cards: $150
Misc Expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494202
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: $7,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
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: Apr-1992 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 15 / 13Length of status:13y 3m
Amount delinquent: $0 Total credit lines: 43 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $42,878Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: peso-spectacle 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
Payroll & Homeschool Development
Purpose of loan:
This loan will be used to? help my business grow the new homeschool division.? We have been moved from one building to another, resulting in resources being removed and limited.? I want to provide a homeschool that is full of opportunity and has resources available for students and teachers to be successful.

My financial situation:
I am a good candidate for this loan because? I am paid by the homeschool community well, and am able to pay back large amounts on time.? I have had my business for a full 13 years, as well as have been involved in the same homeschool community for 10 years.
Monthly net income: $ 6000.00Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 350
??Car expenses: $ 600
??Utilities: $ 150
??Phone, cable, internet: $ 240
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494212
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): 6 First credit line: Mar-1990 Debt/Income ratio: 13%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 3Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 24 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,811Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: entertaining-credit2 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
swj515 loan
Purpose of loan: consolidate bills
This loan will be used to...pay this bills

My financial situation: good just got behind on a couple things
I am a good candidate for this loan because...i am a hard worker and faithful employee i am at a steady job i work for the city of salt lake and will pay back every penny i borrow


Monthly net income: $4000 before taxes 2700 after
Monthly expenses: $
Housing: $850
Insurance: $100
Car expenses: $0
Utilities: $125.00
Phone, cable, internet: $68.00
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $280.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494218
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
Minimum Amount to Fund: $5,250 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $286.39
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* 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: 9%
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:8y 7m
Amount delinquent: $88 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,914Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: Waldron 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: 0 / 1 On-time: 34 ( 97% ) 720-739 (Latest)
Principal borrowed: $7,000.00< 31 days late: 1 ( 3% )  
780-799 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Consolisation of Credit Cards
Purpose of loan: to consolidate my credits cards & make a mortgage payment

This loan will be used to...Consolidate a $2700 Discover Card, $1100 to the IRS, a $700 HSBC Card, $300 JC Penney Card and to make a $1256 Mortgage payment for this month + extra for an emergence fund.

My financial situation: I average $2513 a month with my salaried position. I also freelance as a Sports Television Replay Operator averaging between $600 - $1200 extra per month.

I am a good candidate for this loan because...I have used prosper before & paid off my balance in full & on time. I've had a steady job since I graduated college 10 years ago. I always make my payments on time.


Monthly net income: $3,113 - $3,713
Monthly expenses: $2,844
Housing: $1256
Insurance: $94
Car expenses: $150
Utilities: $197
Phone, cable, internet: $122
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $350
Other expenses: $75 Dog food & trats
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494230
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: $3,360.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,352 Estimated loss*: 5.95%  
Term: 12 months  
 
Lender yield: 11.99% Borrower rate/APR: 12.99% / 18.83% Monthly payment: $300.09
 
Lender servicing fee: 1.00% Effective Yield*: 11.79%  
Estimated return*: 5.84%  
* 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-2004 Debt/Income ratio: 22%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 15 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,188Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: force450 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay for remodels
Purpose of loan: pay for remodels
This loan will be used to... pay for remodels on a rental property

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


Monthly net income: $6075
Monthly expenses: $3515
Housing: $1215
Insurance: $200
Car expenses: $200
Utilities: $140
Phone, cable, internet: $70
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $1290
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494232
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: $15,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 18.41% Monthly payment: $372.71
 
Lender servicing fee: 1.00% Effective Yield*: 15.71%  
Estimated return*: 9.76%  
* 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-1982 Debt/Income ratio: 28%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 32 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,948Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: top-currency-harp 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
top-curreny-harp
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494240
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 3.25%  
Term: 12 months  
 
Lender yield: 6.29% Borrower rate/APR: 7.29% / 13.05% Monthly payment: $259.98
 
Lender servicing fee: 1.00% Effective Yield*: 6.28%  
Estimated return*: 3.03%  
* 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: Dec-1999 Debt/Income ratio: 10%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,382Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: stephen_c01 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 760-779 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
760-779 (Aug-2010)
780-799 (Jan-2010)
700-719 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Going On Vacation
Purpose of loan:
This loan would be for a vacation to the Dominican Republic for my GF and I. I could use a credit card but why, if prosper is going to make on payment.



My financial situation:
I am never late on anything, and i can assure you this loan will be paid in full on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494244
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: $2,200.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,200 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.29% Borrower rate/APR: 8.29% / 10.38% Monthly payment: $69.23
 
Lender servicing fee: 1.00% Effective Yield*: 7.28%  
Estimated return*: 4.03%  
* 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: Nov-1996 Debt/Income ratio: 21%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,398Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: midwest100 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: 0 / 2 On-time: 37 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2007)
640-659 (Feb-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
Vehicle repair and lower rate.
Purpose of loan: Credit card consolidation and vehicle repair.
This loan will be used to...
Pay for vehicle repairs and pay down higher rate credit card debt.
My financial situation:
I am a good candidate for this loan because...
I have not been late on a payment since 2002.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494268
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: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $172.56
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 10.18%  
* 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): 4 First credit line: Feb-1990 Debt/Income ratio: 42%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 50 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,423Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: ocxpunk Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 28 ( 100% ) 680-699 (Latest)
Principal borrowed: $6,277.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2010)
(Sep-2009)
660-679 (Jul-2009)
640-659 (Jun-2008)
 
Principal balance: $3,086.23 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
Consolidation and pay off...
Purpose of loan: consolidate 3 cards, that are already closed as far as use, but just want to pay them off with an installment loan. partly want to do it because i dislike credit cards, and the other part is i do not trust them to lave the rate the same even though the cards are not in use.

My financial situation: pay all my bills on time and I am paying off debt slowly.
I am a good candidate for this loan because...


Monthly expenses: $
Housing: $ 1150
Insurance: $ 155
Car expenses: $ 275
Utilities: $ 135
Phone, cable, internet: $ 40
Food, entertainment: $ 40
Clothing, household expenses $ 50
Credit cards and other loans: $ 480
Other expenses: $ 120
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490061
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
Minimum Amount to Fund: $2,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $80.57
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* 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: Nov-1982 Debt/Income ratio: 38%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:38y 8m
Amount delinquent: $0 Total credit lines: 46 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,012Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: market-fir7 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan: bills
This loan will be used to...

My financial situation: good
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 490789
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*: 9.80%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.49% Monthly payment: $198.77
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 13.60%  
* 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-1998 Debt/Income ratio: 17%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,783Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: POLRBEAR Borrower's state: California Borrower's group: LendersClub
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: 11 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
700-719 (Mar-2010)
620-639 (Sep-2008)
600-619 (Jul-2008)
 
Principal balance: $1,499.16 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
My loan for an auto purchase
Purpose of loan:
This loan will be used to purchase a used car and to pay the remainder of my other prosper loan. The transmission of my 97 mustang needs to be replaced. The repairs are going to be around 1,200.I was thinking of donating the mustang and buying a used car. I have a chance to buy a 97 corolla for $3,000.

My financial situation:
I am a good candidate for this loan because? never been late with a payment.

Monthly net income: $ 2,600 Wife net income:$1200

Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 55
?? Bridge toll $ 80
? Car expenses: $ 80
??Utilities: $ 26
??Phone, cable, internet: $ 36
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 105
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493263
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: $15,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 16.49% Borrower rate/APR: 17.49% / 18.91% Monthly payment: $376.75
 
Lender servicing fee: 1.00% Effective Yield*: 16.20%  
Estimated return*: 10.25%  
* 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-1995 Debt/Income ratio: 35%
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 41 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,878Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: forceful-wealth3 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to consolidate revolving debt??

My financial situation:
I am a good candidate for this loan becaus I?have steady employment and my credit is in good standing. I am not late on any debt.?

Monthly net income: $ 6500.00

Monthly expenses: $
??Housing: $? 1100
??Insurance: $ 107
??Car expenses: $ 969
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 1000
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493927
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: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $285.74
 
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: Feb-1998 Debt/Income ratio: 43%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 20 / 16Length of status:9y 6m
Amount delinquent: $165 Total credit lines: 41 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,016Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: interest-negotiator9 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
Loan for much needed vacation and t
Purpose of loan:
This loan will be used to?for family vacation and to help with my daughter's wedding

My financial situation: I am very capable of making the paymemts on a timely manner and I will be so grateful for this loan.
I am a good candidate for this loan because?i have a very good credit rating and I would not do anything to jepordize my credit in any way.

Monthly net income: $ my monthly net income is $1000.

Monthly expenses: $ $500
??Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $60
??Phone, cable, internet: $0
??Food, entertainment: $50
??Clothing, household expenses $50
??Credit cards and other loans: $60
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494099
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: $2,100.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $85.72
 
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-1998 Debt/Income ratio: 12%
Credit score: 640-659 (Jan-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $924Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: inspiring-ore6 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for PGA School / PGA Future
Purpose of loan:
This loan will be used to?
Further my advancement in my profession.? I need this loan to take my level one examination for The PGA of America.? All $2000 will go directly to this cause.
My financial situation:
I am a good candidate for this loan because? I will pay it back the loan back in the time provided.?

Monthly net income: $ 1800 - $2100
Monthly expenses: $ 812
??Housing: $ 400
??Insurance: $ 45
??Car expenses: $ 0
??Utilities: $ 85
??Phone, cable, internet: $ 12
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 70
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494141
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*: 14.70%  
Term: 36 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $314.25
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%  
Estimated return*: 12.01%  
* 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): 5 First credit line: Sep-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,331Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: responsibility-sorcerer 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2010)
680-699 (Aug-2010)
700-719 (Apr-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate debt on two credit cards that have increased their interest rates.

My financial situation:
I am a good candidate for this loan because I have had a past loan with prosper, that I paid this loan off early when I had extra income. Further, I have a long history of good credit and responsible spending. The credit card debt was accumulated due to expenses related to the birth of my child, as well as a brief period of unemployment.


Monthly net income: $3000
Monthly expenses: $2200
Housing: $700
Insurance: $100
Car expenses: $50
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $250
Clothing, household expenses: $100
Credit cards and other loans: $650
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494143
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 1.30%  
Term: 36 months  
 
Lender yield: 4.99% Borrower rate/APR: 5.99% / 6.33% Monthly payment: $212.92
 
Lender servicing fee: 1.00% Effective Yield*: 5.00%  
Estimated return*: 3.70%  
* 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-1995 Debt/Income ratio: 17%
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 39 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,442Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: MD2NC 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 800-819 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
840-859 (Oct-2010)
800-819 (Mar-2010)
 
Principal balance: $4,855.55 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Paying off other Prosper Loan
Purpose of loan:
This loan will be used to pay off my other prosper loan for $5k and the rest will be used to pay off a higher interest credit card.

My financial situation:
I am a good candidate for this loan because I pay my bills on time and am never late on payments. I value a strong credit rating. I am also a homeowner and have a stable job in the Power industry and my wife is also employed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494155
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
Minimum Amount to Fund: $5,250 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $302.14
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* 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): 7 First credit line: May-1982 Debt/Income ratio: Not calculated
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:18y 11m
Amount delinquent: $0 Total credit lines: 51 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,861Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: blue-spirited-velocity 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
Cash flow assistance
Purpose of loan:
This loan will be used to... consolidate debt and payoff several small credit cards. This loan will allow me to budget my monthly cash flow better with a consolidated payment.

My financial situation:
I am a good candidate for this loan because... I have great earning ability and consistent record of paying debts IN FULL.


Monthly income: $8500
Housing: $1850
Car loans: $paid off
Credit cards/other loans: $2500/mo (loan reduce to $2300 or less)
Other expenses: $3000/mo

Even though the interest rate is ridiculously high on this loan, in the long run, this will improve my credit situation over the several credit card balances I now carry.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494163
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
Minimum Amount to Fund: $2,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $80.57
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* 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: Dec-1978 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 24 / 24Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 42 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,532Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: income-festivity 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
helping my tax practice
Purpose of loan:
This loan will be used to...buy a laptop that I can bring to my clients during tax season.

My financial situation:
I am a good candidate for this loan because...my credit is good (over 700). The money I spend on this laptop will come back quickly as I can bring the computer with me when I go to see my tax clients. I will be able to handle more clients this way by making it more convenient for them. I visit them at their preferred locations on their schedule.


Monthly net income: $14,000
Monthly expenses: $6,400
Housing: $2,000
Insurance: $400
Car expenses: $700
Utilities: $400
Phone, cable, internet: $150
Food, entertainment: $600
Clothing, household expenses: $400
Credit cards and other loans: $1,000
Other expenses: $
750
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494175
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: $3,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $107.35
 
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: Oct-1996 Debt/Income ratio: 13%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,731Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: chelaruse 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
lower my interest rate
Purpose of loan:
This loan will be used to...pay off high interest credit card

My financial situation: I am not struggling to pay my bills.All bills have been paid on time, with no late payments.
I am a good candidate for this loan because...I have a steady job with a company that is hiring. My goal is to be "Debt free in three".
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494183
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
Minimum Amount to Fund: $2,100 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $114.56
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* 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-1998 Debt/Income ratio: 13%
Credit score: 600-619 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:8y 9m
Amount delinquent: $0 Total credit lines: 21 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,813Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: dibbida 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: 0 / 1 On-time: 35 ( 97% ) 600-619 (Latest)
Principal borrowed: $13,500.00< 31 days late: 1 ( 3% )  
600-619 (Aug-2010)
680-699 (May-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Repairing my much needed car
Purpose of loan:
This loan will be used to...fix my car, which is greatly needed to get to and from work. I need to replace the gas tank and get the car up to par to pass inspection.

My financial situation: good..i work 5 nights a week and my husband work 5 days a week.
I am a good candidate for this loan because...I have had a loan through prosper and have paid it off...and I appreciated the help I had and hope I can recieve help again.


Monthly net income: 1500.00-2000.00
Monthly expenses: $80/month in gas for car
Housing: $- my husband pays for the rent
Insurance: $- my husband also pays for this bill
Car expenses: $0
Utilities: $150/month
Phone, cable, internet: $150/month
Food, entertainment: $100/week
Clothing, household expenses: $200 mth/oil
Credit cards and other loans: $200/mth
Other expenses: $
my daughter dance classes= 120/month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494191
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
Minimum Amount to Fund: $5,250 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $302.14
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* 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): 7 First credit line: Dec-2002 Debt/Income ratio: 46%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 13Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,281Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: d-prsp 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
I need 1 minimum payment!
Purpose of loan: Debt consolidation, combing some payments into a single payment.

This loan will be used to...
Consolidate debt, to make 1 payment for an array of debt in which the minimum are killing me.

My financial situation:
I am currently living with parents in order to keep debt down and paydown student loans. I am trying to aggressively paydown debt.
I am a good candidate for this loan because...
I have liquidable stock holdings well over the loan amount although I take a extrememly large tax hit if I am forced to liquidate these.


Monthly net income: $2400 pretax
Monthly expenses: $1100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494193
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $95.26
 
Lender servicing fee: 1.00% Effective Yield*: 7.88%  
Estimated return*: 4.38%  
* 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-2003 Debt/Income ratio: 14%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,985Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: Yes  
Screen name: listing-eclipse 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
Stop paying high CC interest
Purpose of loan:
This loan will be used to pay off high interest credit cards that I opened while in college. I'm out of school now, been working full time for 3 years, and want to get rid of my CC's once and for all, so I can focus on paying off my student loans next.

My financial situation:
I am a good candidate for this loan because I have a steady job, been working at the same place for 3 years as an accountant and the company is doing really great! My loan payment would be about the same as my current CC payments, except more money would be going to the principal instead of the interest, so I could finish paying them off sooner.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494197
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*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
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: Jun-1991 Debt/Income ratio: 30%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:16y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,060Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: favorite-payment6 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
2476
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494203
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 10.87%  
* 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: May-1999 Debt/Income ratio: 15%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:20y 6m
Amount delinquent: $326 Total credit lines: 9 Occupation: Landscaping
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $2,758Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: thankful-reward0 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
Car repair
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4100
Monthly expenses: $200
Housing: $550
Insurance: $145
Car expenses: $360
Utilities: $82
Phone, cable, internet: $40
Food, entertainment: $60
Clothing, household expenses: $75
Credit cards and other loans: $125
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494213
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: $3,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 1.55%  
Term: 12 months  
 
Lender yield: 3.99% Borrower rate/APR: 4.99% / 5.93% Monthly payment: $299.61
 
Lender servicing fee: 1.00% Effective Yield*: 4.00%  
Estimated return*: 2.45%  
* 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: Nov-2000 Debt/Income ratio: 9%
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,889Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: manuvns Borrower's state: California Borrower's group: Computer &amp; IT Professionals
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit card
Purpose of loan:
Pay off credit card

My financial situation:
my household income is over 150k need money to pay off recent large purchases and home improvement of over 7k i made during last month . need additional cash to pay it off this month and avoid 19% interest rate . need this money as i funded roth ira of 10k last month and have little left in bank . never missed a payment on oner last 10 year . i save over 30% of my income .
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494215
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: $3,600.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,600 Estimated loss*: 3.50%  
Term: 12 months  
 
Lender yield: 7.20% Borrower rate/APR: 8.20% / 13.97% Monthly payment: $313.49
 
Lender servicing fee: 1.00% Effective Yield*: 7.19%  
Estimated return*: 3.69%  
* 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: Mar-2006 Debt/Income ratio: 17%
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 30 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $726Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: denverjosh Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Prosper B-Day loan
Purpose of loan: I want to get the bonus $300 payment from Prosper. This money will sit in a savings account and not be spent on anything.

My financial situation:
I am a good candidate for this loan because... I am gainfully employed and have over 30x the necessary liquid assets to pay this loan off immediately.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494217
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
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 12.99% Borrower rate/APR: 13.99% / 16.15% Monthly payment: $341.73
 
Lender servicing fee: 1.00% Effective Yield*: 12.77%  
Estimated return*: 6.82%  
* 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: 14%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 19 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,934Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: impeccable-duty7 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit cards
Purpose of loan: pay off credit cards
This loan will be used to...

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


Monthly net income: $4500.00
Monthly expenses: $3000
Housing: $930.
Insurance: $230.
Car expenses: $360.
Utilities: $180.
Phone, cable, internet: $130.
Food, entertainment: $300.
Clothing, household expenses: $200.
Credit cards and other loans: $600.
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494231
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: $3,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 1.55%  
Term: 12 months  
 
Lender yield: 3.99% Borrower rate/APR: 4.99% / 5.93% Monthly payment: $299.61
 
Lender servicing fee: 1.00% Effective Yield*: 4.00%  
Estimated return*: 2.45%  
* 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: Mar-1997 Debt/Income ratio: 3%
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,068Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: ferengi31337 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
Increased liquidity
Purpose of loan:
This loan will be used to increase liquidity. I will be moving soon and expect to have several expenses. A Prosper loan is than paying credit card interest.

My financial situation:
I am a good candidate for this loan because I have substantial income and a very stable job. I have lent on Prosper in the past and wouldn't want to see any lenders get stiffed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494243
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: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $251.40
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%  
Estimated return*: 12.01%  
* 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): 5 First credit line: Jan-1981 Debt/Income ratio: Not calculated
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 8Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 55 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,905Stated income:$0
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: scrabbleplayer51 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: 0 / 2 On-time: 63 ( 90% ) 680-699 (Latest)
Principal borrowed: $8,400.00< 31 days late: 7 ( 10% )  
660-679 (Oct-2007)
600-619 (Dec-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 70  
Description
scrabbleplayer56
Purpose of loan:
This loan will be used to...pay off remaining credit card debt

My financial situation: is good
I am a good candidate for this loan because...I have had two previous loans with prosper and paid on time and in full
My husband's job pays for all our expenses, I stay at home and babysit my granddaughter so my son and his wife can save on childcare,

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.