Listing Report:Supplement No. 35 dated Mar 24, 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 488638
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: $10,445.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,311.50 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $331.66
 
Lender servicing fee: 1.00% Effective Yield*: 7.88%  
Estimated return*: 4.38%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Aug-1999 Debt/Income ratio: 9%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 14 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,521Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: openness-accord Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Simple Credit Consolidation
Purpose of loan:
This loan will be used to consolidate two credit cards and a personal loan. I borrowed money from a family member to pay off my car. It was a three year loan, but she has hit hard times and I would like to pay her back sooner. Here are the details:

Best Buy :: $1,885 @ 19.8%
Capital One :: $1,750 @ 24.99%
Personal :: $6,809 @ 11%

My financial situation:
I am a good candidate for this loan because I'm never late on payments. I'm honest, trustworthy, live within my means and will someday soon live debt free.

I built a spec house four years ago and it still hasn't sold, but I make that payment every month. It eats up a lot of my income, but I have changed my lifestyle and never ever miss a payment on anything. So many people are walking away from their investment properties like it's not their responsibility. I believe that walking away from a responsibility like that is immoral.

I have worked at the same job in the IT field for 8 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 489918
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: A Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.29% Borrower rate/APR: 8.29% / 10.38% Monthly payment: $188.82
 
Lender servicing fee: 1.00% Effective Yield*: 7.28%  
Estimated return*: 4.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-1986 Debt/Income ratio: 5%
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 35 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,858Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: jts1969 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 14 ( 100% ) 780-799 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
760-779 (Aug-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Consolidate Business Debt
Purpose of loan:
This loan will be used to consolidate higher interest credit card debt that funded the start-up of a business for a family member.

My financial situation:
I am a good candidate for this loan because I have a full-time, salaried job. I have borrowed through Prosper previously and paid off the loan early. I am also a Prosper lender.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 490146
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: A Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.29% Borrower rate/APR: 8.29% / 10.38% Monthly payment: $236.03
 
Lender servicing fee: 1.00% Effective Yield*: 7.28%  
Estimated return*: 4.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1995 Debt/Income ratio: 5%
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 44 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $106Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: jokerj006 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 11 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
680-699 (Dec-2009)
660-679 (Aug-2009)
740-759 (Jul-2008)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
To Payoff Auto Loan
Purpose of loan:
This loan will be used to payoff my auto loan with my bank.

My financial situation:
I am a good candidate for this loan because I have an excellent history with loans on Prosper.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497016
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: $6,330.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,330 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $255.01
 
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-1996 Debt/Income ratio: 20%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,337Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: moola-spark Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
Purpose of loan:
This loan will be used to pay off a loan I just got which has an interest rate of 35.99% for 60 months with payments of $228.68 per month. I want a lower interest rate for a term of 3 years.

My financial situation:
I am a good candidate for this loan because I pay all of my bills on time and the payment amount for the 3 year term is not much more than the current payment amount for the 5 year term.


Monthly net income: $3000
Monthly expenses: $2089
Housing: $967
Insurance: $60
Car expenses: $50
Utilities: $150
Phone, cable, internet: $87
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $600
Other expenses: $75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498146
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $245.37
 
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: Sep-1986 Debt/Income ratio: 10%
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,853Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: KenandSusan 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
My personal loan
Purpose of loan:
This loan will be used to pay for my daughters wedding and do an immediate repair to my roof.

My financial situation:
We are a good candidate for this loan because my wife and I both work full time in good paying solid employment. I work for the New York State DMV as a Supervisor, and will likely move up one more Supervisory level in the next 2 years. My wife works with disabled individuals, work she loves. Our income has allowed us to make some home improvements over the past few years, for which we applied previous credit and have paid that off. We have a relatively low mortgage ($750) and one car payment ($240). Our debt to income ratio is low enough so that we can easily afford this loan. Our credit rating is excellent, and we have striven over the years to keep it that way, having never missed a payment on any bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498174
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: A Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.29% Borrower rate/APR: 8.29% / 10.38% Monthly payment: $377.64
 
Lender servicing fee: 1.00% Effective Yield*: 7.28%  
Estimated return*: 4.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1994 Debt/Income ratio: 16%
Credit score: 820-839 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:14y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $400Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: orderly-dinero9 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 820-839 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
840-859 (Jun-2010)
 
Principal balance: $12,059.98 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Jasper316
Purpose of loan: Purchase a rental property
This loan will be used to...

My financial situation: Good
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499128
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: $15,000 Estimated loss*: 8.70%  
Term: 60 months  
 
Lender yield: 21.49% Borrower rate/APR: 22.49% / 24.76% Monthly payment: $418.47
 
Lender servicing fee: 1.00% Effective Yield*: 20.98%  
Estimated return*: 12.28%  
* 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-1991 Debt/Income ratio: 9%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 9Length of status:13y 0m
Amount delinquent: $121 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,972Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: exchange-eclipse8 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
Great Investment Oppty WILL pay
Purpose of loan:
This loan will be used to...Consolidate existing debt

My financial situation:
I am a good candidate for this loan because... My financial situation is stable. I work for AT&T as an executive escalation manager and have been there for 13 years. I am repairing credit issues that were left by my ex-fiancee that handled household finances. I can easily make the payments and can do automatic payments if necessary. My mortgage, auto and student loan history is impeccable. The issues are with some credit cards and a BMG acct that I mistakenly left in someone else's hands and now I am trying to repair and consolidate.


Monthly net income: $5600 net
Monthly expenses: $100
Housing: $1988
Insurance: $75
Car expenses: $0 (3 vehicles paid for - no liens)
Utilities: $250
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $275 (to be paid off)
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499268
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 18.41% Monthly payment: $248.47
 
Lender servicing fee: 1.00% Effective Yield*: 15.71%  
Estimated return*: 9.76%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1997 Debt/Income ratio: 25%
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 48 Occupation: Psychologist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,776Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: wise-virtuous-velocity Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan: Pay extraneous bills off
This loan will be used to...pay off credit card bills/medical bills.

My financial situation: Excellent
I am a good candidate for this loan because..I have a history of good credit.


Monthly net income: $ 2700.00
Monthly expenses: $2300.00
Housing: $1300.00
Insurance: $100.00
Car expenses: $ 300.00
Utilities: $ 100.00
Phone, cable, internet: $ 100.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ none
Credit cards and other loans: $ 200.00
Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499274
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: $2,175.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,175 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $94.72
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1987 Debt/Income ratio: 31%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:4y 10m
Amount delinquent: $1,305 Total credit lines: 13 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,037Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: genzers 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
FUNDS NEEDED FOR AUTO MAINTENANCE
Purpose of loan:
This loan will be used for auto maintenance expenses: New tires needed, major tune-up, brakes, transmission service & A/C service.

My financial situation:
I am a good candidate for this loan because...I am gainfully employed & have been with the same company for almost 5-years and I will be able to pay back this loan.

My employer has been in business for over 25 years and is very solid and will stay in business for many more years to come which I intend to be part of this company for many years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 12.99% Borrower rate/APR: 13.99% / 16.15% Monthly payment: $341.73
 
Lender servicing fee: 1.00% Effective Yield*: 12.77%  
Estimated return*: 6.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-2001 Debt/Income ratio: 17%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:11y 5m
Amount delinquent: $595 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,271Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: pure-capital7 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
pure-capital7
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2,200.00
Monthly expenses: $300.00
Housing: $600.00
Insurance: $60.00
Car expenses: $0
Utilities: $300.
Phone, cable, internet: $55.00
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499288
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: May-2000 Debt/Income ratio: 5%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 0 / 0Length of status:2y 11m
Amount delinquent: $231 Total credit lines: 14 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: calm-auction5 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
paying people back
Purpose of loan:
This loan will be used to...pay some bills off to get rid of the extra 2000 in exspenses

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


Monthly net income: $7000
Monthly expenses: $4000
Housing: $800
Insurance: $300
Car expenses: $200
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $200
Credit cards and other loans: $0
Other expenses: $2000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499292
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: $10,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $604.28
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1991 Debt/Income ratio: 78%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,595Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: brightest-superb-funds Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1700.00
Monthly expenses: $
Housing: $0.00
Insurance: $126.00
Car expenses: $540.00
Utilities: $0.00
Phone, cable, internet: $200.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $750.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499294
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): 7 First credit line: Apr-1983 Debt/Income ratio: 18%
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 10Length of status:23y 4m
Amount delinquent: $4,245 Total credit lines: 25 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,930Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: bonus-charmer9 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
Kayla F
Purpose of loan:
This loan will be used to...Pay credit cards

My financial situation:
I am a good candidate for this loan because...I pay my credit cards on time, Husband pay Morgage I do not. Husband pay all house hold bills I pay my credit cards and food, only. Want to get my credit cards payed off in 3 years.


Monthly net income: $35000
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $0
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $7000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499306
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: $16,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $11,200 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $508.05
 
Lender servicing fee: 1.00% Effective Yield*: 7.88%  
Estimated return*: 4.38%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1999 Debt/Income ratio: 16%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,665Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: wise-cordial-dinero Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
on the road to debt free
Purpose of loan:
This loan will be used to...put all my debt that I have left on one loan

My financial situation:
I am a good candidate for this loan because...I am determined to become debt free.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497797
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: Feb-1997 Debt/Income ratio: Not calculated
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,688Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: repayment-equation 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
AZ Medical Marijuana Dispensary
Purpose of loan:
This loan will be used to open up a medical marijuana dispensary in Arizona which will benefit sick patients with AIDS, Alzheimers, Arthritis, Glaucoma, Multiple Slcerosis Cancer and Chronic Pain. This business is a not-for profit and is very important to me as I have seen the pain that these diseases especially multiple sclerosis can cause and the benefits patients receive from using medical marijuana.

My financial situation:
I am a good candidate for this loan because the revenue potential a dispensary can provide is large. Many dispensaries sell 9lbs or more of medicine a month which is over $30,000 in revenue per month. Costs to operate such a business not including salaries is slightly less than $4600 per month. I do not have any personal expenses other than food because my parents have decided to support me until I can get this business going.


Monthly net income: $1100
Monthly expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 498531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $302.14
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1992 Debt/Income ratio: 33%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 8Length of status:0y 3m
Amount delinquent: $2,214 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $83,127Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: balance-universe Borrower's state: NewJersey 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
Consolidate credit card debt
Purpose of loan:
This loan will be used to consolidate my debt down to one convenient payment. I am a single father with a 10 yr old son and I want to provide for him the best way I can while still saving for college and retirement.

My financial situation:
I really believe that I am an excellent candidate for this loan. I am a responsible and conscientious professional working adult in a management position at a successful company. My current credit score is 703 with a higher score and very good history prior to becoming a single parent.


Monthly net income: $4830
Monthly expenses: $3420
Housing: $2200
Insurance: $included with job
Car expenses: $included with job
Utilities: $145
Phone, cable, internet: $125
Food, entertainment: $200
Clothing, household expenses: $varies
Credit cards and other loans: $750
Other expenses: $varies
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499023
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: $10,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $604.28
 
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: Feb-1997 Debt/Income ratio: 23%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,342Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: vibrant-payout5 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to... personal use and credit card payments

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


Monthly net income: $ 7000
Monthly expenses: $ 800
Housing: $ 1850
Insurance: $ 150
Car expenses: $ 200
Utilities: $ 200
Phone, cable, internet: $ 80
Food, entertainment: $ 200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 1500
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499077
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $261.29
 
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: Oct-1967 Debt/Income ratio: 88%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,794Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: the-credit-banshee Borrower's state: NewMexico 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
student
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4000
Monthly expenses: $200
Housing: $400
Insurance: $69
Car expenses: $0
Utilities: $130
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $200
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499095
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: $13,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $412.57
 
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: Jun-2000 Debt/Income ratio: Not calculated
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:11y 2m
Amount delinquent: $0 Total credit lines: 11Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $206 
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: reward-selector8 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
Meme Dawn
Purpose of loan:
This loan will be used to...

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


Monthly net income: $ 1450
Monthly expenses: $ 250
Housing: $ 0
Insurance: $ 100
Car expenses: $ 300
Utilities: $ 300
Phone, cable, internet: $ 0
Food, entertainment: $ 200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 200
Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499101
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $141.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1994 Debt/Income ratio: 15%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 6Length of status:0y 8m
Amount delinquent: $797 Total credit lines: 30 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,070Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: shiny-liberty4 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
Debt Consolidation
Purpose of loan:
This loan will be used to...

My financial situation: Good
I am a good candidate for this loan because it helps us back on track.


Monthly net income: $2500
Monthly expenses: $1700
Housing: $760
Insurance: $0
Car expenses: $50
Utilities: $150
Phone, cable, internet: $50
Food, entertainment: $50
Clothing, household expenses: $20
Credit cards and other loans: $300
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499113
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: Feb-1983 Debt/Income ratio: 21%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 14 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $126Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: well-mannered-rate7 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
well-mannered-rate7
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-2006 Debt/Income ratio: 69%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:4y 8m
Amount delinquent: $3,720 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,463Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: No  
Screen name: favorable-treasure5 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
Recent Graduate Working full time
First off thank you for your interest in helping me further my career.

Purpose of loan:
I am a full time filmmaker, I currently work for a safety production company which produces training videos for fortune 500 companies. I am looking to branch out into weddings and music videos on the side and need some equipment to get started.
I will be using this loan exclusively for a Glidecam X22 camera stabilization unit. This unit cost $6,500 before tax and accessory add ons.

My financial situation:
I am a good candidate for this loan because I am not leaving my current company to start a new business, I am taking up a side business and my income will not change. I recently graduated school so I am now working full time now and recently received a raise. I have already budgeted everything out and I am able to handle this loan no problem with plenty of breathing room.

Monthly net income: $ 2800-3200
Monthly expenses: $488 School Loan, $120 phone bill, $50 credit card
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499125
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: $4,400.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,080 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $184.36
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%  
Estimated return*: 12.01%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1984 Debt/Income ratio: 37%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 11Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 49 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,851Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: stnlmrtn Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 49 ( 98% ) 700-719 (Latest)
Principal borrowed: $4,200.00< 31 days late: 1 ( 2% )  
660-679 (Oct-2009)
620-639 (Apr-2008)
 
Principal balance: $561.26 31+ days late: 0 ( 0% )
Total payments billed: 50  
Description
helping daughter get used car
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...This would be the third loan I have had, the first was paid off early and I am ahead of schedule on the second one.


Monthly net income: $6100
Monthly expenses: $750
Housing: $1100
Insurance: $168
Car expenses: $411
Utilities: $42
Phone, cable, internet: $238
Food, entertainment: $600
Clothing, household expenses: $200
Credit cards and other loans: $700
Other expenses: $
250 misc
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499143
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: May-1999 Debt/Income ratio: 79%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 43 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,868Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: brightest-elegant-fund Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used to take care of some personal expenses.

My financial situation:
I am a good candidate for this loan because...I have a consistent job history at the same employer for 7 years which ensures that I will pay the loan back. I have been at the same address for seven years. The expenses that show 0 balance is paid by my spouse.


Monthly net income: $1750.00
Total Monthly expenses: $875.00 is for auto, credit cards, phone and cable
Housing: $0
Insurance: $0
Car expenses: $475.00
Utilities: 0
Phone, cable, internet: $200
Food, entertainment: 0
Clothing, household expenses: 0
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499235
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: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $719.00
 
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): 4 First credit line: Oct-1995 Debt/Income ratio: Not calculated
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,040Stated income:$100,000+
Delinquencies in last 7y: 18 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: Versailles2010 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Assisted living improvements
Purpose of loan:
This loan will be used to...provide upgrades/improvements, landscaping to the assisted living facility I currently lease and operate with the option to purchase.
My financial situation:
I am a good candidate for this loan because...as an RN, o have 15 years Geriatrics experience, 6 1/2 years of those at the assisted living I currently operate. I am dedicated to my residents and am in this for the long haul. Improving elders quality of life is my passion.


Monthly net income: $12,000
Monthly expenses: $
Housing: $2500
Insurance: $126
Car expenses: $600
Utilities: $500
Phone, cable, internet: $300
Food, entertainment: $600
Clothing, household expenses: $500
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499249
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: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.50%  
Term: 60 months  
 
Lender yield: 10.90% Borrower rate/APR: 11.90% / 13.25% Monthly payment: $554.85
 
Lender servicing fee: 1.00% Effective Yield*: 10.87%  
Estimated return*: 7.37%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Sep-1997 Debt/Income ratio: 20%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $54,344Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: first-class-gain4 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...Consolidating credit cards at better rate and paying off in a more timely matter. We hope to have this paid off in 3 yrs or less. I wanted the 5 yr option, but will be paying off in 3yrs.

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

My credit score is good we have never had any late pays, or any derogatory credit. I make comfortable income and work a one of the top manufacturing company's in Wisconsin. My wife will be contributing her income which is 21k.

I have been in the same line of work for over 25 yrs. And in current position for over 7, as a director position. With bonuses each yr in which will also contribute to paying off this early.

Our home is worth 250k payment is $1840, balance is 200K.

Currently our debt to income ratio with out loan is 27%
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499255
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: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $322.28
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1994 Debt/Income ratio: 22%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 29 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,496Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: Enforcer75 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Backyard fun
Purpose of loan:
This loan will be used to...add a pool to the backyard. Ive saved about half the cost needed to get the project started. This loan will give me the funds to finnish the project.

My financial situation:
I am a good candidate for this loan because...I have several credit cards, all with a zero or nearly zero balance. I have not missed a payment on anyting in the last 8 years.

Monthly net income: $4700.00
Monthly expenses: $1800-$2000
Housing: $809.83
Insurance: $176.96
Car expenses: $364.62
Utilities: $400
Phone, cable, internet: $150
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499267
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: Mar-2001 Debt/Income ratio: 27%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,240Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: versatile-generosity2 Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
piggy
Purpose of loan:
This loan will be used to pay medical bills, and help with other piling up bills.

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


Monthly net income: $ 2000.00
Monthly expenses: $1370.00
Housing: $ 180.
Insurance: $ 145.00
Car expenses: $ 225.00
Utilities: $ 173.00
Phone, cable, internet: $ 76.01
Food, entertainment: 200.00
Clothing, household expenses: $
Credit cards and other loans: $ 182.00
Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499271
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: Sep-1994 Debt/Income ratio: 20%
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 35 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,690Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: duty-widget8 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Startup Capital - Great Return
Purpose of loan:
This loan will be used to help top off the startup capital reserve needed to launch new, highly profitable financial services office.

My financial situation:
I am a good candidate for this loan because the combination of my experience and the profitable nature of the business make this an excellent risk. In fact, we intend to repay all startup debt in 12-18 months based on profit models and the experience of current offices in the system already.

Projected monthly net income from the business starting Month 2: $6k-$8k

Monthly expenses:
Housing (rent): $500
Insurance: $265
Car expenses: $230
Utilities: $0
Phone, cable, internet: $173
Food, entertainment: $350
Credit cards and other loans: $700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499283
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: 12 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 33.08% Monthly payment: $378.22
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 11.63%  
* 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: Feb-1985 Debt/Income ratio: 19%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,899Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: shrine876 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
shrine876
Purpose of loan: debt consolidation
This loan will be used to...pay off existing debt

My financial situation:
I am a good candidate for this loan because...the payments fit into my budget


Monthly net income: $4000
Monthly expenses: $
Housing: $1100
Insurance: $
Car expenses: $500(includes gas)
Utilities: $125
Phone, cable, internet: $150
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $200
Other expenses: $2500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499297
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: Mar-1975 Debt/Income ratio: 14%
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 11 / 11Length of status:9y 7m
Amount delinquent: $652 Total credit lines: 26 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,231Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: rate-infusion1 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
Getting married and Need a loan
Purpose of loan: Consolidate some date and pay for the Wedding

My financial situation:
I am a good candidate for this loan because I have a good Income and good credit. I have been at my job for over 8 years.

Monthly net income: $ 11000
Monthly expenses: $
Housing: $2200
Insurance: $0
Car expenses: $0
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $520
Clothing, household expenses: $520
Credit cards and other loans: $1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499313
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): 5 First credit line: Jul-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,697Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: studious-ore9 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
Would like to expand my business
Purpose of loan: I would like to expand my online marketing business.
This loan will be used to invest in advertising for websites I own so that I can make a larger profit from them. See more about my business here: http://www.searchite.com

My financial situation: Good. I make a sufficient income but would like to invest in my business even more.

I am a good candidate for this loan because I have a steady enough income where I can pay it back. I work in an industry that is always growing (online marketing) and the risk of things failing is very low.

I am also an excellent loan payer. I have not delayed any payment on previous loans or credit card.

Monthly net income: $4000
Monthly expenses: $4000
Housing: $830
Insurance: $300
Car expenses: $n/a
Utilities: $50
Phone, cable, internet: $150
Food, entertainment: $500
Clothing, household expenses: $300
Credit cards and other loans: $500
Other expenses: $1000

Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499319
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): 5 First credit line: Mar-1987 Debt/Income ratio: 14%
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:20y 6m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,449Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 101%  
   Homeownership: Yes  
Screen name: asset-toro 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
vbloan
Purpose of loan: Debt Consolidation
This loan will be used to consolidate my bills

My financial situation:
I am a good candidate for this loan because I have been in a professional management career with a solid fortune 200 company for 20.5 years. I have a solid employment history and future.

Monthly net income: $5400.00
Monthly expenses: $3067.00
Housing: $1100.00
Insurance: $
Car expenses: $128.00
Utilities: $207.00
Phone, cable, internet: $145.00
Food, entertainment: $250.00
Clothing, household expenses: $200.00
Credit cards and other loans: $200.00
Other expenses: $837.00
Information in the Description is not verified.