Listing Report:Supplement No. 21 dated Mar 16, 2011 to Prospectus dated Mar 04, 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 Mar 04, 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 Mar 04, 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 493477
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: Oct-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,025Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: brightest-useful-justice 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
Quick Loan for New HVAC Unit
Hey there prosper friends. As you can see from my credit score I take care of my bills. I have a HVAC Unit that went out and really don't want to have to take out of the money for my business to pay for it. Any help you guys can provide would be appreciated!


Purpose of loan:
This loan will be used to fix an HVAC unit so I can keep the money in my Subway Franchise business.


My financial situation:
I am a good candidate for this loan becaue I have always paid my bills on time no matter what.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 496937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $76.37
 
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): 6 First credit line: Oct-1997 Debt/Income ratio: 20%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 12Length of status:13y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,042Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: glasgow53 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,200.00< 31 days late: 0 ( 0% )  
740-759 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
IRS Bill Loan
Purpose of loan:
This loan will be used to pay off an IRS tax bill. I currently have an IRS installment agreement, but the interest and penalty fees are extremely high. Details of the amount owed and the fees added each month are below.

Tax owed: $1,919.23
Feb Interest and Penalties: $186.48

My financial situation:
I am a good candidate for this loan because I have a stable career and have been with the same company for over 13 years. I have already paid off one Prosper loan and currently have more than enough surplus in my budget to afford this loan.


Monthly net income: $3,720
Housing: $937
Car expenses: $132
Utilities: $125
Phone, cable, internet: $125
Food, entertainment: $300
Misc: $100
Credit cards and other loans: $669

Monthly Surplus: $1,332
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497973
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,600.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,520 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $155.30
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 10.18%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-2004 Debt/Income ratio: 80%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 9 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,352Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: xxxxcandiexxxx67 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 40 ( 73% ) 640-659 (Latest)
Principal borrowed: $4,080.00< 31 days late: 15 ( 27% )  
640-659 (Aug-2009)
540-559 (Jan-2008)
 
Principal balance: $584.44 31+ days late: 0 ( 0% )
Total payments billed: 55  
Description
Paying off credit cards
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498017
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: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $553.56
 
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: Jun-1993 Debt/Income ratio: 3%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,251Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: No  
Screen name: gain-palmetto7 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
My loan for debt consolidation.
Purpose of loan:
This loan will be used to consolidate outstanding balances from several credit cards, as well as pay off a debit card.

My financial situation:
I am a good candidate for this loan because I have a steady income as a neurosurgeon, with contractual, stepwise increases in pay anticipated over the next several years. I have recently fallen behind on credit card debt due to marriage and moving expenses for my new clinical position.

Monthly net income: $19,000
Monthly expenses:
Housing: $3000
Insurance: $400
Car expenses: $0
Utilities: $400
Phone, cable, internet: $300
Food, entertainment: $1000
Clothing, household expenses: $500
Credit cards and other loans: $600
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498075
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: D Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $476.04
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%  
Estimated return*: 16.49%  
* 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: Jan-1997 Debt/Income ratio: Not calculated
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,891Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: inspiring-integrity8 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for new business venture.
Purpose of loan:
This loan will be used to start a new business in my local community.

My financial situation:
I am a good candidate for this loan because my financial situation is extremely stable. I have held the same job through very tough economic times because I am very good at what I do, an my employer recognizes that. I have not be as much as a single day late on a bill in over 5 years. The best thing about this new business venture is I will not have to quit my job to pursue it. I have already spoken to my employer and he agrees that it would incorporate perfectly into what his company already does. Without having to sacrifice my salary, meeting this loan obligation is well within my ability.

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498187
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-1991 Debt/Income ratio: 4%
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: flexible-ore0 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
loan for home improvements
Purpose of loan:
This loan will be used to...home improvements - need new doors and baseboards and retiling

My financial situation:
I am a good candidate for this loan because...good credit score and currently have no debt and own my home and vehicle outright


Monthly net income: $4000
Monthly expenses: $765
Housing: $0
Insurance: $66
Car expenses: $0
Utilities: $159
Phone, cable, internet: $40
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498193
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: $5,300.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,710 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $230.81
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1994 Debt/Income ratio: Not calculated
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 2 Current / open credit lines: 4 / 4Length of status:5y 7m
Amount delinquent: $54 Total credit lines: 33Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $439 
Delinquencies in last 7y: 58 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: open-minded-camaraderi2 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Motorcycle Loan
Purpose of loan: This loan will be used to purchase a used motorcycle for my husband.


My financial situation:
After having made some mistakes in the past, I feel I am on the correct path to getting my credit back in order. I only ask for the chance to work with a lender and prove that to them.


Monthly net income: $ 2704
Monthly expenses: $ 1735
Housing: $ 600
Insurance: $ 130
Car expenses: $ 275
Utilities: $ 240
Phone, cable, internet: $ 40
Food, entertainment: $ 50
Clothing, household expenses: $ 400
Credit cards and other loans: $ 0
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 20.32% Monthly payment: $71.30
 
Lender servicing fee: 1.00% Effective Yield*: 15.63%  
Estimated return*: 7.93%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-1994 Debt/Income ratio: 12%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 7Length of status:14y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,769Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: racer31 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 48 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2010)
600-619 (Oct-2007)
600-619 (Sep-2007)
600-619 (Jul-2007)
 
Principal balance: $700.86 31+ days late: 0 ( 0% )
Total payments billed: 48  
Description
home improvement
Purpose of loan: to purchase roofing materials
This loan will be used to...replace roof and to pay off existing loan

My financial situation: financially my situation has improved greatly in the last few years just a little short on paying for a new roof
I am a good candidate for this loan because...
I have alreadt paid off one loan with prosper and am paying on my current loan and will pay it off with some of the proceeds from this loan

Monthly net income: $2160.00
Monthly expenses: $1200
Housing: $0
Insurance: $110
Car expenses: $422
Utilities: $200
Phone, cable, internet: $65
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $90
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498259
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $12,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 12.99% Borrower rate/APR: 13.99% / 16.15% Monthly payment: $410.07
 
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: Apr-1995 Debt/Income ratio: 14%
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 37 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,518Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: return-welder 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
Debt Consolidation
Purpose of loan:
This loan will be used to pay off 6 consumer credit cards.

My financial situation:
I am a good candidate for this loan because I own a home (no HELOC. 2nd, etc.) (3 yrs), I have a stable work history (3 yrs. current), I am a working professional (attorney), and I have already reduced my credit utilization to under 30% of available credit.


Monthly net income: $8252.00
Monthly expenses: $5337.00
Housing: $2047.00
Insurance: $78.00
Car expenses: $450.00
Utilities: $212.00
Phone, cable, internet: $0
Food, entertainment: $400.00
Clothing, household expenses: $150.00
Credit cards and other loans: $600.00
Other expenses: $1400, student loans
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498265
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): 4 First credit line: Feb-1997 Debt/Income ratio: Not calculated
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 46 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,594Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: flexible-yield488 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
Funding 2 Hearing Aids
Purpose of loan: Purchase hearing aids not covered by insurance

This loan will be used to buy 2 hearing aids so I can continue to work full time.

My financial situation: My debt to income ratio is poor because I am single person with a mortgage and student loans. I am never late on a payment but I cannot get a credit card to cover the hearing aids because of my debt to income ratio. I have worked full time at the same job for nearly 8 years. My parents will be helping me to make the payments each month but they cannot give me the lump sum needed to purchase them outright.

I work full time, I am never late on payments and I have someone who can help make the payments if needed.

Monthly net income: $2600
Monthly expenses:
Housing: $1200
Insurance: $ 0
Car expenses: $ 0
Utilities: $100
Phone, cable, internet: $
Food, entertainment: $100
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 498269
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: $3,650.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,555 Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $158.95
 
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: 17%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Dentist
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: pound-mushroom6 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
Hello fellow Prosper people.....
Purpose of loan: Work car
This loan will be used to get a fuel efficent back and forth to work car to help prevent wear and tear on our SUV

My financial situation: My husband and I both have secure middle income level jobs. He works for the federal government and I have been a dental assistant since 1999.

I am a good candidate for this loan because my husband and I both are committed in staying by our debits and ensuring they are paid off properly


Monthly net income: $3,300.00
Monthly expenses: $ 225.00
Housing: $ 995.00 total
Insurance: $ 100.00
Car expenses: $ None- 23 own both cars oytright
Utilities: $ 125.00
Phone, cable, internet: $ 125.00
Food, entertainment: $ 150.00
Clothing, household expenses: $ 125.00
Credit cards and other loans: $ 560.00
Other expenses: $ 125.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498281
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: $20,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $613.44
 
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: Aug-1994 Debt/Income ratio: 7%
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:12y 6m
Amount delinquent: $0 Total credit lines: 25 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $66,369Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: glimmering-bill8 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
Business Expansion needs
Purpose of loan:
This loan will be used to add resources to my data networking business
we generate over $20,000/month in consulting revenue. This is on top of my job which pays me an annual income of $150,000/


My financial situation:
I am a good candidate for this loan because I have a residual income stream locked up for the next 3 years so I will pay off this loan without problem. My consulting business in on the rise and his loan will help add some new resources to enhance the business. I do have collateral if that is required.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493640
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: Aug-1987 Debt/Income ratio: 17%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 25 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,540Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: euro-cheetah9 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
engagement ring
Purpose of loan: to buy my girlfriend an engagement ring
This loan will be used to...

My financial situation: currently I have a full time job and bring in enough monthly income to cover this monthly payment
I am a good candidate for this loan because...I am a responsible man, I own a home, pay for my bills and am a very hard worker.


Monthly net income: $5500
Monthly expenses: $
Housing: $814
Insurance: $196/mo
Car expenses: $656/mo
Utilities: $250/mo
Phone, cable, internet: $200/mo
Food, entertainment: $250/mp
Clothing, household expenses: $200/mo
Credit cards and other loans: $400/mo
Other expenses: babysitter $600/mo
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 495884
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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 5.95%  
Term: 12 months  
 
Lender yield: 11.99% Borrower rate/APR: 12.99% / 18.83% Monthly payment: $178.63
 
Lender servicing fee: 1.00% Effective Yield*: 11.79%  
Estimated return*: 5.84%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1988 Debt/Income ratio: 2%
Credit score: 820-839 (Feb-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 43 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,975Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: fulfilling-income4 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
Prosper.com Test Loan
Purpose of loan:
This loan will be used to understand the Prosper.com loan marketplace first hand as a borrower prior to my lending or further borrowing with higher loan values.

My financial situation:
I have a very liquid financial portfolio, and can easily pay off this loan at any time if needed.

Monthly net income: over $40k/month
Monthly expenses: under $25k/month
Credit cards: paid off each month
Other loans: under $2k/month

The high revolving credit balance shown on the summary was from work expenses that have already been reimbursed and paid off.

Thank you for your interest in this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497074
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $19,267.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $19,267 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $590.95
 
Lender servicing fee: 1.00% Effective Yield*: 5.55%  
Estimated return*: 4.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1973 Debt/Income ratio: 13%
Credit score: 840-859 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:30y 2m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,586Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: best-social-persimmon 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
Best-social-persimmon
Purpose of loan:
This loan will be used to remodeling.

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $166.07
 
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): 7 First credit line: Nov-1984 Debt/Income ratio: 65%
Credit score: 820-839 (Mar-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 31 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,452Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: openness-igniter Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Send a Mom to School!
Purpose of loan: Educational Purposes
This loan will be used to...send myself back to school and get an education.

My financial situation: I currently work at a plant supplier. We supply plants and landscaping products to local stores.
I am a good candidate for this loan because... I truly want to return to school and give myself the education that I never received. Three of my children are grown up, and its time to do something for myself.


Monthly net income: $3700
Monthly expenses: $300
Housing: $0
Insurance: $100
Car expenses: $150
Utilities: $50
Phone, cable, internet: $30
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497430
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: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $402.85
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 23 / 18Length of status:11y 3m
Amount delinquent: $0 Total credit lines: 42 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,839Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: historic-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
beachlady
Purpose of loan:
This loan will be used to...

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


Monthly net income:10000.
Monthly expenses: $
Housing: $3400
Insurance: $
Car expenses: $670
Utilities: $250.
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497704
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,877.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $6,213.90 Estimated loss*: 4.95%  
Term: 36 months  
 
Lender yield: 9.99% Borrower rate/APR: 10.99% / 13.11% Monthly payment: $290.58
 
Lender servicing fee: 1.00% Effective Yield*: 9.83%  
Estimated return*: 4.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1981 Debt/Income ratio: 35%
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 22 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $367Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: movingirl 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 62 ( 83% ) 780-799 (Latest)
Principal borrowed: $6,900.00< 31 days late: 13 ( 17% )  
680-699 (Aug-2009)
660-679 (Jan-2008)
660-679 (Jul-2007)
 
Principal balance: $214.49 31+ days late: 0 ( 0% )
Total payments billed: 75  
Description
Proactive Loan #4
Purpose of loan: Mainly Dental Care

This loan will be used to...Get a dental Implant, repair inlay and crown.

I am also planning another move, which would require deposit, etc.

I do not anticipate summer school being offered this summer. So, as usual, I like to have a cushion to see me through until checks start again in the fall (September).

My financial situation: I have been living rent and utility free in a mother-in-law apartment for the past 15 months. My daughter had a high risk pregnancy and now has two (healthy) babies. I moved in to help out. Note that I do not have to move.

I continue to substitute teach.

I am a good candidate for this loan because...I repay my loans.


Monthly net income: $2000
Monthly expenses: $
Housing: $
Insurance: $30
Car expenses: $50
Utilities: $
Phone, cable, internet: $10
Food, entertainment: $150
Clothing, household expenses: $25
Credit cards and other loans: $200
Other expenses: $25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $253.89
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%  
Estimated return*: 16.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1999 Debt/Income ratio: 9%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,288Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: orbital-currency8 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Quick Payback
Purpose of loan:
This loan will be used to finish paying for our wedding and honeymoon.

My financial situation: Currently my fiance and I (we live together) are saving $2,000--$2,500 per month for our wedding and we just need this loan to get us over.
I am a good candidate for this loan because we can have it paid back in 6-8 months, depending on when monthly payments begin. We would like the loan in May/June.


Monthly net income: $3,900 (together we make $6,300)
Monthly expenses: $2,931
Housing: $1,375 (mortgage and escrow)
Insurance: $199.00 (cars only, all other homes insurances are paid through escrow)
Car expenses: $167.00 (1 car note)
Utilities: $300.00
Phone, cable, internet: $140.00
Food, entertainment: $200.00
Clothing, household expenses: $150.00
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498072
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): 6 First credit line: Nov-1998 Debt/Income ratio: 37%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:14y 10m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $45,394Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: diligent-velocity6 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
Home Improvement
Purpose of loan:
This loan will be used to...
I have had water coming into my basement for the last 5 years. i need to fix this before it ruins my bathroom and becomes a larger expense.


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

My credit is 632 it was damage in 2000 and slowly getting higher every year. My credit report stats I am A+ when paying my bills on time.


Monthly net income: $ 3600.00
Monthly expenses: $3000
Housing: $ 986
Insurance: $ 150
Car expenses: $300.00
Utilities: $ 250
Phone, cable, internet: $ 250
Food, entertainment: $ 500
Clothing, household expenses: $ 250
Credit cards and other loans: $ 314
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498084
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: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 7.70%  
Term: 36 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 20.32% Monthly payment: $534.72
 
Lender servicing fee: 1.00% Effective Yield*: 15.63%  
Estimated return*: 7.93%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1999 Debt/Income ratio: 14%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 18Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 43 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,015Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: wearesofragile Borrower's state: NewYork Borrower's group: 0 DELINQUENCIES OR DECENT CREDIT GET FUNDED NOW
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
660-679 (Apr-2008)
760-779 (Sep-2007)
760-779 (Aug-2007)
 
Principal balance: $0.04 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Looking to consolidate my bills
Purpose of loan:
This loan will be used to...

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


Monthly net income: $6500
Monthly expenses: $4550
Housing: $1800
Insurance: $150
Car expenses: $500
Utilities: $200
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $1000
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498096
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): 6 First credit line: Aug-1983 Debt/Income ratio: 27%
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:10y 9m
Amount delinquent: $0 Total credit lines: 46 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,195Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: proud-dinero8 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
Update my Florida Room
Purpose of loan: Remodel
This loan will be used to...I would like to update my Florida room into a media room. I will be doing some sweat equity.
My financial situation:
I am a good candidate for this loan because...
I have served in the Navy for 20 years and retired at 37. Since my retirement with the Navy I have been working for the same company for 10 years.

Monthly net income: $6900
Monthly expenses:
Housing: $1750
Insurance: $220
Car expenses: $630
Utilities: $350
Phone, cable, internet: $150
Food, entertainment: $550
Clothing, household expenses: $500
Credit cards and other loans: $400
Other expenses: $100 school loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498200
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: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $553.56
 
Lender servicing fee: 1.00% Effective Yield*: 18.06%  
Estimated return*: 9.36%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 6 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: return-announcer2 Borrower's state: Indiana Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Transform Debt Collection Industry
Purpose of loan: Continue business growth and improve the debt collection industry.

This loan will be used to purchase fresh charged off credit card loans from major US Banks and collect them by treating our clients with absolute dignity and respect. We are fulfilling our mission to transform the debt collection industry.

100% of loan proceeds will be used to purchase assets (loans). The business already has positive cash flow from operations. The company started purchasing loans in September, 2010 and was cash flow positive by January, 2011. In March, cash flow from operations is over $2,500.

My financial situation:

I am a good candidate for this loan because I'm honest, hardworking, have good credit, and the business already has great cash flow.

Personal monthly net income: $ 2,200
Expenses: $1,000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498214
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: Sep-1994 Debt/Income ratio: 19%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,250Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: genuine-gold7 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating
Purpose of loan:
This loan will be used to...

My financial situation: paying off debt to get a home loan in next few years. Want everything paid off except for car.
I am a good candidate for this loan because...I have established a good repayment history in the last 5 years. I have a great job. Trying to get ahead so that I can allow more money to save for a home purchase.


Monthly net income: $4000
Monthly expenses: 0
Housing: $0
Insurance: $230
Car expenses: $531
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $150
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498220
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: D Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $301.49
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%  
Estimated return*: 16.49%  
* 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-2005 Debt/Income ratio: 18%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: durable-contract0 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
honda 1800 vtx
Purpose of loan: honda motorcycle
This loan will be used to... to purchase a motorcycle

My financial situation: good only have a truck payment
I am a good candidate for this loan because... i have good credit and not many bills


Monthly net income: $3500
Monthly expenses: $1000
Housing: $500
Insurance: $50
Car expenses: $400
Utilities: $0
Phone, cable, internet: $40
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,500 Estimated loss*: 14.70%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $431.40
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 9.82%  
* 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): 5 First credit line: Aug-2004 Debt/Income ratio: 84%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,079Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: first-class-credit329 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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate debt on my credit card from a private car purchase.

My financial situation:
I am a good candidate for this loan because I have had a very good standing in my credit since 2004. I have continuously paid my debt on time (and even earlier) and in full. I am an optometry student, working only on the weekends (good pay as a certified optician) and the rest of my income comes from school loan fund. The numbers below are very precise as I have recently been budgeting my money very well for the past few months. I want to pay off my credit card debt in full by the time I finish school in a couple of years, as I hope to save up for my own business.


Monthly net income: $1600
Monthly expenses: $700 (below)

Car expenses: $100 (only maintenance and gas, I no longer have a car payment)
Phone: $80
Food, entertainment: $220
Clothing, household expenses: $100
Monthly savings: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498256
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $229.11
 
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): 6 First credit line: Jun-1987 Debt/Income ratio: 23%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 24 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,121Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: irmagon 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
820-839 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Paying off 28% credit card
never missed a payment. I am in recovery from a bankruptcy in 2005, lost my job in 2003 . In 2005 I found my calling when I became a mathematics teacher, In 2010 I obtained a modification to my high interest mortgage and the high payment of almost $2000 was reduced to $1033. Another situation which we are now facing is my 17 year old daughter has been diagnosed with mental illness, she requires daily medication. This loan will be used to pay off 2 credit cards, one of them used for medical expenses and the other one was used to pay off house repairs. I appreciate your help with this, . Thank-you.


Monthly net income: $4000
Monthly expenses: $3500
Housing: $1033
Insurance: $350
Car expenses: $350
Utilities: $300
Phone, cable, internet: $150
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $400
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498260
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $95.46
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-1996 Debt/Income ratio: 24%
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 7Length of status:19y 10m
Amount delinquent: $97 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,927Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: FTD Borrower's state: Texas Borrower's group: Real Estate Purchase and Improvement
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 97% ) 680-699 (Latest)
Principal borrowed: $1,900.00< 31 days late: 1 ( 3% )  
620-639 (Sep-2009)
600-619 (Jun-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Our garden needs renovation
Spring is the time when some truths emerge. One is the awakening of nature. We see lush lawns everywhere, green plants and flowers. However, that truth is not for us?yet. Our house garden and landscaping is screaming for renovation. It?s our home, big, contemporary, with big trees in the front yard that started the problem shadowing and killing our Bermuda grass. We can?t stand it for another season.
Our plan is to put fresh St. Augustine sod which cost in Texas goes around $125 per pallet that covers 450 sq ft. We need 6-8 pallets. We would like to hire labor for the hard work because is a big garden area. My wife and I are planning to do the flower beds and other minor gardening tasks.
Our budget is up to $2,500 to complete this whole gardening project.
We already paid a Prosper credit in full and it was a fantastic experience for us. We are homeowners of this home and we are proud of it. Please feel welcome to ask any question about us or our project
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498262
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: $11,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $349.09
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%  
Estimated return*: 16.49%  
* 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: Sep-2003 Debt/Income ratio: 12%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 12 / 11Length of status:2y 7m
Amount delinquent: $554 Total credit lines: 19 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $310Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: worth-auctioneer 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
Improvement Plan
Purpose of loan:
This loan will be used to improve my newly bought house of last year, and create more opportunity for growth.

My financial situation:
I am a good candidate for this loan because I possess the necessities and amentities of a good borrower and excellent customer. As a recent fisrt time homebuyer, I understand the importance of paying bills and other important expenses on time. I am proud to say that I am 100 percent on time with all my bills monthly. I constantly stress to my kids the power of responsibility, and the rewards that are given from it. So I would definitely appreciate this blessing and reward. Thanks



Monthly net income: $6000
Monthly expenses: $2101.96
Housing: $662
Insurance: $200
Car expenses: $342.96
Utilities: $250
Phone, cable, internet: $220
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $200 (student loan)
Other expenses: $0
Information in the Description is not verified.