Listing Report:Supplement No. 13 dated Feb 24, 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 488602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $11,500 Estimated loss*: 4.95%  
Term: 60 months  
 
Lender yield: 12.99% Borrower rate/APR: 13.99% / 15.37% Monthly payment: $267.53
 
Lender servicing fee: 1.00% Effective Yield*: 12.77%  
Estimated return*: 7.82%  
* 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-2000 Debt/Income ratio: 40%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,289Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: economy-caper9 Borrower's state: Wisconsin Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 780-799 (Latest)
Principal borrowed: $1,700.00< 31 days late: 0 ( 0% )  
760-779 (Jan-2010)
 
Principal balance: $1,172.49 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Auto and consolidation
Purpose of loan:
Mainly to purchase a car for growing family with 3 kids.
1) Payoff current prosper loan of just under $1200.
2) Payoff current auto loan of around $4000.
3) Payoff "new" used auto purchase of $6000.
Current prosper loan is $52/month and auto loan is $197/month. New loan would add about $20/month to my current budget.

My financial situation:
I've been employed (somewhere) for over 10 yrs now. We keep about $5k in savings. My wife currently makes about $5000 a year part time, but could go back to teaching if she had to. Besides selling insurance, I also have operated a cabinetry business since 2002, making about $21k a year. Our combined income is $50k a year. We've never been delinquent on bills. Another positive note, our tax return will be about $7500.

Monthly net income: $4166
Monthly expenses: $4027.50

Thanks for considering this loan and please let me know if you have any questions.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495126
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: Nov-1995 Debt/Income ratio: 25%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 2 / 2Length of status:0y 7m
Amount delinquent: $600 Total credit lines: 14 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25Stated income:$1-$24,999
Delinquencies in last 7y: 3 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: heartpounding-currency1 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495418
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
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: Dec-1995 Debt/Income ratio: 6%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $233Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: 12puebloyankee 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
New-2-Me Wheels
Purpose of loan:
This loan will be used to purchase a used car.

My financial situation:
I've been trying to recover from a bankruptcy 8 years ago.? I've stayed out of debt and use my current credit wisely.? I make plenty of money to make the note payments.

To help keep out of debt I drive older cars and do the work myself to keep them running.?

Monthly net income: $
4600

Monthly expenses: $
??Housing: $
1700
??Insurance: $ 300
??Car expenses: $ 160
??Utilities: $ 150
??Phone, cable, internet: $
65
??Food, entertainment: $ 0
??Clothing, household expenses $

??Credit cards and other loans: $
paid off monthly so no balance
??Other expenses: $
140 college loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495424
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $141.00
 
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: Apr-1989 Debt/Income ratio: 8%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 8Length of status:15y 1m
Amount delinquent: $49,906 Total credit lines: 35 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,124Stated income:$50,000-$74,999
Delinquencies in last 7y: 15 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: the-honorable-capital 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
Need money to repair my car
Purpose of loan:
This loan will be used to...
To repair my car
My financial situation:
I am a good candidate for this loan because...
I have always paid my bills ontime and have never been late on payments

Monthly net income: $ 5300.00
Monthly expenses: $200.00
Housing: $500.00
Insurance: $70.00
Car expenses: $0.00
Utilities: $150.00
Phone, cable, internet: $120.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $250.00
Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495436
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: Dec-1980 Debt/Income ratio: Not calculated
Credit score: 760-779 (Feb-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:9y 7m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,215Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: elated-felicity4 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
Help Needed
Purpose of loan:Anniversary trip
This loan will be used to...Fund my anniversary for my wife of 30 years

My financial situation:
I am a good candidate for this loan because...I have a fulltime job and great 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 495442
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 18.30%  
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*: 29.17%  
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: Jan-1996 Debt/Income ratio: 47%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 30 / 26Length of status:12y 7m
Amount delinquent: $0 Total credit lines: 41 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,547Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: diplomatic-funds8 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
Personal Situation
Purpose of loan: Consolidate debt
This loan will be used to...

My financial situation: Fair
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 495448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $201.43
 
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: Oct-2003 Debt/Income ratio: 10%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 6 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,226Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: established-duty1 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
In Love
This loan will be used to help finance an engagement ring as well as pay what little outstanding debt I have.
My situation: I have a very secure job with a top company where I made close to $42,000 in 2010 and a credit ding that haunts me. I was past due on my student loans right after college due to a miscommunication with my lender about direct debit, and honestly young carelessness on my part. I have long since caught this up and every account I have been able to obtain since then is either paid off or in great standing. I am a good candidate for this loan because I KNOW that I can afford this monthly. I have put a healthy down payment on her dream ring only to be denied financing for the remaining balance. I am ready for my girlfriend and I to start our lives together while improving my credit before we look for a home. Monthly net income: $2100-2600 - Monthly expenses: $1100-1200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495450
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: May-2001 Debt/Income ratio: 15%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 9Length of status:15y 5m
Amount delinquent: $103 Total credit lines: 47 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,318Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: peaceful-yield8 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
nankey
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495454
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 12.99% Borrower rate/APR: 13.99% / 16.15% Monthly payment: $170.86
 
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: Jun-2000 Debt/Income ratio: 24%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:0y 5m
Amount delinquent: $900 Total credit lines: 14 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,578Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: coin-maniac775 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
wedding
Purpose of loan: wedding ring and wedding
This loan will be used to...

My financial situation: stable working hard
I am a good candidate for this loan because...
I make payments on time have a good job and would like to get married and she works so my yearly income will almost double

Monthly net income: $2400
Monthly expenses: $1330
Housing: $0
Insurance: $110
Car expenses: $100
Utilities: $0
Phone, cable, internet: $120
Food, entertainment: $200
Clothing, household expenses: 0
Credit cards and other loans: $800
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495462
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: B Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 12.99% Borrower rate/APR: 13.99% / 16.15% Monthly payment: $324.64
 
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: Feb-1990 Debt/Income ratio: 18%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 33 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: moola-enlistment4 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
Home Improvement
Purpose of loan:
This loan will be used to? Additional bedroom

My financial situation:
I am a good candidate for this loan because? I make?a great salary and have low monthly bills.

Monthly net income: $ 4,000Monthly expenses: $
??Housing: $ 1,000????
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: $?150
??Phone, cable, internet: $ 60
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495492
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-1997 Debt/Income ratio: 24%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 40 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,219Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: dynamic-wealth8 Borrower's state: SouthDakota 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
busymom
Purpose of loan: credit card payoff
This loan will be used to...

My financial situation: We make good money, hit medical hardships when school. Quit job while in school to be a full time mom & student - poorly chose credit cards to help us financially, now getting back on our feet. 1 cc left to payoff - want to become "stupid debt" free.
I am a good candidate for this loan because...
we have good jobs with overtime opportunities available. House payment & student loans - all vehicles are paid off. Easy monthly payment to make

Monthly net income: $ 2200 (mine) 3100 (husband)
Monthly expenses: $
Housing: $ 1540.99
Insurance: $ included in house payment
Car expenses: $ 0.00 all paid off
Utilities: $ 120.00
Phone, cable, internet: $ 200.00
Food, entertainment: $ 250.00
Clothing, household expenses: $
Credit cards and other loans: $ student loans: 195, 175, 80 cc:160
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495518
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: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.29% Borrower rate/APR: 8.29% / 10.38% Monthly payment: $314.70
 
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: Sep-1998 Debt/Income ratio: 18%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $6,395Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: danigrrrly Borrower's state: NewYork Borrower's group: Professors
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: 31 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Jun-2008)
 
Principal balance: $777.85 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
We're getting married!
This loan will be used for our wedding. We're a professional couple living in Brooklyn, NY and we've been together 9 years. I'm a Project Manager for a web design agency and my fianc? is a Producer for the same agency. We've got wedding savings, but unexpected costs have popped up and we're going to need a little help to comfortably pay for the wedding. We're not planning an extravagant affair, but we do want to throw a party to celebrate our commitment.

I am a good candidate for this loan because I'm hard-working and financially stable. I make a decent salary. This is my second prosper loan; my first loan will be paid off this July. I have never had a late payment on my loan and the same will be true of this loan.

Our total monthly income is $5453.68. Our combined monthly expenses are as follows:

Housing: $1650
Utilities: $430
Credit Cards: $330
Student Loans: $400
Food and Entertainment: $500
Savings: $1000
Remaining: $1143.68
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493491
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: $7,500 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: Dec-1960 Debt/Income ratio: 8%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 7 Current / open credit lines: 6 / 6Length of status:1y 8m
Amount delinquent: $16,821 Total credit lines: 31 Occupation: Attorney
Public records last 12m / 10y: 0/ 4 Revolving credit balance: $15,907Stated income:$100,000+
Delinquencies in last 7y: 39 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: transparency-grizzly2 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
JoshSara7
Purpose of loan:
This loan will be used to? Expenses for my daughter's upcoming wedding

My financial situation:
I am a good candidate for this loan because? My high income provides significant resources to repay the loan

Monthly net income: $ Monthly gross income: $19,932; monthly net income after taxes and other payroll deductions: $14,289

Monthly expenses: $ $7,000
??Housing: $ 2,650
??Insurance: $ 900
??Car expenses: $ 1,000
??Utilities: $ 200
??Phone, cable, internet: $ 300
??Food, entertainment: $ 1,000
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 500
??Other expenses: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 494399
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: $4,000 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): 6 First credit line: May-2007 Debt/Income ratio: 11%
Credit score: 660-679 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 8Length of status:1y 9m
Amount delinquent: $18 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,129Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: principal-leather 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
myboatloan1
Purpose of loan:
This loan will be used to?
purchase a boat
My financial situation:
I am a good candidate for this loan because?
if you look at my actual credit? report there is no late pay even with the one showing it is paid conns fault
Monthly net income: $
7600
Monthly expenses: $
??Housing: $ 872
??Insurance: $ 245
??Car expenses: $ 700
??Utilities: $350
??Phone, cable, internet: $174
??Food, entertainment: $ 450
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 399
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495223
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
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: May-1995 Debt/Income ratio: Not calculated
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $643Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: basis-chihuahua5 Borrower's state: Kansas 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
Operating Capital
Purpose of loan: Purchase needed software
This loan will be used to... purchase software

My financial situation: Stable
I am a good candidate for this loan because it will be repaid with interest and on time.

Monthly net income: $4000
Monthly expenses: $
Housing: $600
Insurance: $90
Car expenses: $200
Utilities: $150
Phone, cable, internet: $50
Food, entertainment: $500
Clothing, household expenses: $300
Credit cards and other loans: $150
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495401
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $285.78
 
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: Mar-1994 Debt/Income ratio: 18%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $883Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: BuyAmericanGoods 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
Buy American
Purpose of loan:
This loan will be used to purchase an AMERICAN made automobile. Lets put AMERICA back to work, demand AMERICAN goods. Our vote is more powerful when we put our money where our mouth is.

My financial situation:
Financially stable. I am choosing to finance through prosper to give back to the little man. Theres no reason why we can't take the power back from the corporations and put the country on track down the true road to recovery.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495407
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: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $476.30
 
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: Jan-1979 Debt/Income ratio: 10%
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,793Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: kind-wonderous-investment 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
kind-investment
Purpose of loan:
This loan will be used to...consolidate bills, home improvements.

My financial situation:
I am a good candidate for this loan because...
I am financially secure with a retirement income plus pensions and full time security guard job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495413
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: Jan-1973 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 24 / 20Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 56 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $73,944Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: bazaar-embrace 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
Bummy13
Purpose of loan:
This loan will be used to...pay taxes

My financial situation:
I am a good candidate for this loan because...I have always paid my obligations and plan to continue to do so


Monthly net income: $ 8500
Monthly expenses: $
Housing: $1144
Insurance: $100
Car expenses: $600
Utilities: $150
Phone, cable, internet: $250
Food, entertainment: $ 200
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495447
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: C Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $258.33
 
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: Jul-1994 Debt/Income ratio: 2%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 6Length of status:1y 1m
Amount delinquent: $910 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,455Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: majestic-integrity5 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
Ptrade
Purpose of loan: Further Business Development
This loan will be used to...Pay for advertising and marketing of prophecytrade.com which offers trading signals from top-tier traders to high-net-worth clients.

My financial situation: Solid...$750K approx. earned in the last 36 Months and an American Express Black Card always paid promptly and in good standing...
I am a good candidate for this loan because...My business is on track to generate profits of $1,000,000+ in the next 12 months, and $2-$5Million per year in the next 36-Months taking into account new clients, client attrition, and projected performance.


Monthly net income: $15,000
Monthly expenses: $2,000
Housing: $3,200+
Insurance: $600
Car expenses: $0
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $1000
Clothing, household expenses: $1500
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495469
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 18.30%  
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*: 29.17%  
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: May-2001 Debt/Income ratio: 6%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:18y 1m
Amount delinquent: $0 Total credit lines: 2 Occupation: Car Dealer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: the-revenue-caper 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
Auto Lone
Purpose of loan: Fix my car
This loan will be used to...Fix my car cause I only have 1 car that I drive and it just quit on me so i have no transportation to and from work

My financial situation: I don't get paid til the 23 of March
I am a good candidate for this loan because...I payoff all of my debts and I need my transportation to support my family mostly cause my wife is ill right now so i am paying for her medical bills as well


Monthly net income: $5000
Monthly expenses: $3200
Housing: $900
Insurance: $200
Car expenses: $800
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $300
Credit cards and other loans: $0
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495471
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: $7,500 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: Aug-1986 Debt/Income ratio: 10%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 4Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,908Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: five-star-yield8 Borrower's state: Arkansas 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
Help a disabled vet out?
Purpose of loan: Loan consolidation
This loan will be used to...Pay off my credit card so I have some breathing room.

My financial situation: Very Good
I am a good candidate for this loan because...I have a steady, fixed income from 3 government sources


Monthly net income: $5000
Monthly expenses: $100 a month eating out
Housing: $0 (paid off)
Insurance: $85/mo for home insurance, $300 per 6 months for vehicle insurance
Car expenses: $0 (paid off)
Utilities: $100 to $200
Phone, cable, internet: $300
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $0 to $1000 if I get this loan, and I'll be able to pay CC in full every month
Other expenses: $100 per month (wild bird feed, dog food)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495497
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: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $317.53
 
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: Jun-1996 Debt/Income ratio: 12%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 27 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,688Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: dedication-trail1 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
My loan for home improvement
Purpose of loan:
This loan will be used to renovate my parents' house. I've been staying with them for free since graduation. I need to repay them by renovating the kitchen.

My financial situation:
I am a good candidate for this loan because I have a good job/career. I believe that I could pay off this loan within a year. I only have student to payoff, nothing else.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495593
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: Jul-1994 Debt/Income ratio: 8%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 7Length of status:17y 6m
Amount delinquent: $10,596 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,610Stated income:$50,000-$74,999
Delinquencies in last 7y: 14 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: exciting-dime4 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
Mr.Neal
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495599
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: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $158.77
 
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: Dec-1977 Debt/Income ratio: 35%
Credit score: 800-819 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 22Length of status:10y 9m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46,870Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: generous-openness Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
CRIMSON
Purpose of loan:
This loan will be used toMy financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.