Listing Report:Supplement No. 8 dated Feb 21, 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 493260
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): 6 First credit line: Mar-1995 Debt/Income ratio: 14%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 4Length of status:15y 7m
Amount delinquent: $118 Total credit lines: 38 Occupation: Social Worker
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,807Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: orange-tenacious-cash Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consildation
Purpose of loan:
This loan will be used to?settle my debt and to help my family?????????

My financial situation:
I am a good candidate for this loan because? I have steady income and I make good money.

Monthly net income: $
5300.00????
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 0
??Car expenses: $ 365
??Utilities: $ 80
??Phone, cable, internet: $ 130
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 55
??Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493448
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): 8 First credit line: Mar-2001 Debt/Income ratio: 21%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:3y 2m
Amount delinquent: $330 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,520Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: interest-blueberry Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Excited about our Upcoming Wedding
Purpose of loan: wedding expenses
This loan will be used to... wedding expenses

My financial situation: Solid financial situation
I am a good candidate for this loan because... I have great credit, am financially stable and have held stable employment since I was 16. But more importantly, I cannot fathom using savings, which are meant for emergencies, for a wedding. Together my fianc? and I (who already live together and split living expenses) gross $110,000 yearly, so we are totally confident in being able to pay the loan.
Monthly net income: $4,333 gross (3,200 after taxes and all retirement deductions)
Monthly expenses: $2,103
Housing: $608 (mortgage includes all escrow payments, including property taxes and insurance)
Insurance: $0
Car expenses: $95 (insurance, car is paid off)
Utilities: $150
Phone, cable, internet: $300
Food, entertainment: $250
Clothing, household expenses: $200
Credit cards and other loans: $300
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494872
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: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
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): 4 First credit line: Sep-1989 Debt/Income ratio: 6%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 3Length of status:3y 0m
Amount delinquent: $101 Total credit lines: 46 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: brilliant-value7 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan
Purpose of loan:Vacation
This loan will be used to...

My financial situation:
I am a good candidate for this loan because my bills are up to date on my credit report.


Monthly net income: $ 4000
Monthly expenses: $500
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $ 0
Clothing, household expenses: $ 500
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495034
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): 8 First credit line: Oct-2000 Debt/Income ratio: 9%
Credit score: 620-639 (Feb-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:14y 9m
Amount delinquent: $0 Total credit lines: 22 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,539Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: Lilybell Borrower's state: Missouri Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 38 ( 100% ) 620-639 (Latest)
Principal borrowed: $8,500.00< 31 days late: 0 ( 0% )  
620-639 (Jan-2010)
540-559 (Nov-2007)
520-539 (Apr-2007)
520-539 (Mar-2007)
 
Principal balance: $4,075.75 31+ days late: 0 ( 0% )
Total payments billed: 38  
Description
Back Again
Purpose of loan:
This loan will be used to pay off my existing Prosper loan and pay off my car.
My financial situation:
I am a good candidate for this loan because is have paid off one loan and am currently paying on another. Based on the rate I can currently get on Prosper, my Prosper payment will increase by about $55.and 13 payments I will be saving the 383 I am currently paying on my car for a net gain of about $325.

Monthly net income: $ 4300 *(see below)
Monthly expenses: $3034 (Total of all below)
Housing: $1460
Insurance: $70
Car expenses: $383 * (to be paid off)
Utilities: $210
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $161
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495064
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: Jan-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 10 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,243Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: truth-saga3 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
Payoff CitiBank High Rate Card
Purpose of loan:
This loan will be used to...Payoff and close high rate Citibank credit card

My financial situation:
I am a good candidate for this loan because...I am very serious about paying off and getting rid of all credit card debt. This is a number one priority in my life to be rid of credit cards. I pay all bills on time and am very worthy of credit.


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 495106
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*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $214.70
 
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: May-2002 Debt/Income ratio: 17%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 12 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,444Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: nickel-caravan 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
SF teacher needs a Vespa!
Purpose of loan:
This loan will be used to purchase a Vespa. I am currently in the SF Bay Area and rely solely upon public transportation. After doing a bit of calculating, I have discovered that I would save a lot of money if I just invested in a small (and environmentally-friendly!) scooter.

My financial situation:
I am a good candidate for this loan because I have an excellent credit score (777 according to the email I just received from Experian!) and have never been late on a payment of any kind. Also, because I have a history in both teaching and recruiting, the chances of me getting suddenly laid-off and unable to make money are quite slim.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495140
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: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
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): 4 First credit line: Jun-1990 Debt/Income ratio: 70%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,639Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: yield-friendship 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
Hello all
Purpose of loan:
This loan will be used to...

My financial situation: Great
I am a good candidate for this loan because...I have a good repayment history


Monthly net income: $1450
Monthly expenses: $750
Housing: $150
Insurance: $60
Car expenses: $310
Utilities: $0
Phone, cable, internet: $20
Food, entertainment: $70
Clothing, household expenses: $40
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495162
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: $10,000 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): 8 First credit line: Mar-2000 Debt/Income ratio: 27%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,799Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: kind-excellent-kindness 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
CCG
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493681
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 10.90% Borrower rate/APR: 11.90% / 13.25% Monthly payment: $332.91
 
Lender servicing fee: 1.00% Effective Yield*: 10.87%  
Estimated return*: 7.37%  
* 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-1992 Debt/Income ratio: 21%
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 50 Occupation: Engineer - Chemical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,058Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: keen-commerce3 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvements
Purpose of loan: This loan will be used to landscape our backyard. For the last three years we have had nothing in our backyard except dirt which has left our children with limited places to play outside. The grassy area and extended patio will help to add value to our home.
My financial situation: Our family is financially stable. I work full time at Raytheon Missle systems as an engineer and have just been promoted. The job is stable and provides a consistent income for the family. In addition my wife, works two part time jobs which bring in an additional 25 K per year.
I am a good candidate for this loan as demonstrated by my credit rating. We, our family, have never been in a situation where we extended ourselves past what we can pay. We are a family of five that is financially stable and committed to keeping our excellent credit rating. We just need a little help getting the money upfront to make the additions to our home.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495061
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: $7,000 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $267.30
 
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: Aug-2000 Debt/Income ratio: 19%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 24 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,760Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: green-urbane-payout Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 4 ( 40% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 6 ( 60% )  
640-659 (Apr-2010)
 
Principal balance: $3,910.66 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Pay off high interest credit cards
Purpose of loan:
This loan will be used to pay off my high interest credit cards. The balance accumulated in my credit cards were due to medical(individual plan) & childcare expenses incurred during the birth of my two children in last four years. With this loan I will pay off two of my credit card by half which will ease out repayment of balance debts.

My financial situation:
I am a good candidate for this loan because I work in a responsible position in IT dept of a reputable company & earn pretty good remuneration. I have an excellent track record of paying off any dues on time.

Monthly net income: $ 7450
Monthly expenses: $ 5200
Housing(Rent): $ 1750
Insurance(Car): $ 80
Car expenses(loan+gas): $ 400
Utilities: $ 200
Phone, cable, internet: $ 200
Food, entertainment: $ 500
Clothing, household expenses $ 500
Credit cards and other loans: $ 870
Other expenses: $700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495085
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: $9,200.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $6,440 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $282.18
 
Lender servicing fee: 1.00% Effective Yield*: 5.55%  
Estimated return*: 4.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Dec-1979 Debt/Income ratio: 22%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,480Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: unequaled-reward5 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
Credit Card Consolidation
I would like to pay down a $9,000 credit card balance. The debt was incurred on a business venture that my wife & I are shutting down at the end of March, 2011.

I work for a family-owned real estate company. We own, manage, and invest in commercial properties in Westchester, NY (90,000 sf of buildings & close to 250,000 sf of land). My current gross income from wages & salary is $104,000. I have additional income from a residential property is California and a $250,000 investment. My wife & I live in a family-owned property in NYC.

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495091
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: Nov-1986 Debt/Income ratio: 18%
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 32 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,986Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: gain-mussel 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
Business Loan
Purpose of loan: Business
This loan will be used to...gain advertising

My financial situation: Gaining income
I am a good candidate for this loan because...strong work ethic


Monthly net income: $4,500
Monthly expenses: $3,000
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 495105
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: Nov-1992 Debt/Income ratio: 43%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 63 Occupation: Computer Programmer
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $57,475Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: ranch9 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
ranch9
Purpose of loan:
This loan will be used to...

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


Monthly net income: $6500
Monthly expenses: $150
Housing: $2200
Insurance: $150
Car expenses: $1150
Utilities: $350
Phone, cable, internet: $250
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $1100
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495143
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: 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: Jan-1970 Debt/Income ratio: 19%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 3 Current / open credit lines: 18 / 17Length of status:2y 2m
Amount delinquent: $5,514 Total credit lines: 64Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,728 
Delinquencies in last 7y: 34 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: wealth-voltage4 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
MCA5K APPLICATION
Purpose of loan:
This loan will be used to?


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



Monthly net income: $ Monthly expenses: $
??Housing: $

??Insurance: $

??Car expenses: $

??Utilities: $

??Phone, cable, internet: $

??Food, entertainment: $

??Clothing, household expenses $

??Credit cards and other loans: $

??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495153
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $161.14
 
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: Apr-1991 Debt/Income ratio: 16%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 29 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $76,569Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: green-openness-vault Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan: to pay off some debt
This loan will be used to...mainly pay off some small credit card debt

My financial situation: stable
I am a good candidate for this loan because...I have the ability to repay it sooner then 3 years.


Monthly net income: $5200
Monthly expenses: $
Housing: $1000
Insurance: $100
Car expenses: $300
Utilities: $200
Phone, cable, internet: $125
Food, entertainment: $250
Clothing, household expenses: $200
Credit cards and other loans: $500
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495155
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): 8 First credit line: Sep-1995 Debt/Income ratio: 13%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 41 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,570Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: cunning-economy1 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Ploan1
Purpose of loan:
This loan will be used to...pay off bills sooner.

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


Monthly net income: $8220
Monthly expenses: $3493
Housing: $826.00
Insurance: $75
Car expenses:
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $1592
Other expenses: $100
Information in the Description is not verified.