Listing Report:Supplement No. 38 dated Mar 25, 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 495995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-2008 Debt/Income ratio: 8%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 2 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: blue-pound-companion 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
West Texas Sky
Purpose of loan:
This loan will be used to replace my carpet and light fixtures.

My financial situation:
I am a good candidate for this loan because I can easily afford the monthly payments and I have been waiting a while for my home improvement project.


Monthly net income: $ 2300.00
Monthly expenses: $ 1359.89
Housing: $ 740.00
Insurance: $
Car expenses: $ gas 100.00
Utilities: $ 89.89
Phone, cable, internet: $ 80.00
Food, entertainment: $ 150.00
Clothing, household expenses: $
Credit cards and other loans: $ 200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499191
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: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
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: Dec-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 2 Current / open credit lines: 9 / 9Length of status:0y 10m
Amount delinquent: $1,211 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,599Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: best-p2p-mangrove 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
Business Loan 4 Great Storefront
Purpose of loan: business loan
This loan will be used to...create website and Facebook, purchase updated CAD software and drafting table/equipment

My financial situation:is ok. I need a loan to promote expansion of the business.
I am a good candidate for this loan because...there are no stores like my store in this area. This is a very depressed area in the south. I offer great products at modest prices. I sell furniture/accessories/gifts. I also provide consignment merchandise. This upscale shop has loyal customers. The interior design services are driving the store's success. I need funding to expand my visibility on social networks and update my computer software.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499317
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
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): 7 First credit line: Apr-1998 Debt/Income ratio: 22%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $550Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: just-loan3 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used to...provide some home improvement/repair and purchases

My financial situation:
I am a good candidate for this loan because...I am diligent in paying my debts either early or in on "on time" fashion. I have a very secure position with my employment due to the fact I am also a shareholder.


Monthly net income: $4,029
Monthly expenses: $150 (gas/misc)
Housing: $960
Insurance: $400 (life/med/rx/vehicle)
Car expenses: $300 (car pymnt)
Utilities: $125 (elec/gas/trash/water/sewer)
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499335
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: $7,200.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $228.62
 
Lender servicing fee: 1.00% Effective Yield*: 7.88%  
Estimated return*: 4.38%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-2001 Debt/Income ratio: 17%
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,519Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: impressive-trade427 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
Loan for new roof
Purpose of loan:
This loan will be used to put a new roof on my house.


My financial situation:
I am a good candidate for this loan because I have been working for the same employer for the last 3 1/2 years. I worked for them as a contractor before they liked my work and brought me on full time. I work as a System Administrator.

I also have a wife that has a full-time job with the same employer


Thank you For you time
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499341
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
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
Professional looking to consolidate
Purpose of loan: Consolidate credit cards and pay a large medical bill
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 budgeted out my expenses to be sure that the loan payment will fall easily into my budget. I graduated with my PhD last year and this year will be getting a substantial raise which will give me even more money to commit to my budget. My goals are to pay a medical bill that I accrued and to consoldiate a few other bills to lower the number of monthly payments I have. I take my credit seriously as seen by my credit history.


Monthly net income: $ 3000.00
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 499377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 12 months  
 
Lender yield: 11.99% Borrower rate/APR: 12.99% / 18.83% Monthly payment: $178.63
 
Lender servicing fee: 1.00% Effective Yield*: 11.79%  
Estimated return*: 5.84%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1996 Debt/Income ratio: 7%
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:8y 9m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,535Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: velvet123 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
gifford13
Purpose of loan:
This loan will be used to furnish my new apartment. I plan to replace the out dated and damaged furniture I currently have.

My financial situation: I am in good financial standing and will soon be moving up the ladder in my industry. I work for an event planning company out of San Diego, CA.
I am a good candidate for this loan because I have excellent credit!


Monthly net income: $2800
Monthly expenses: $2500
Housing: $730
Insurance: $400
Car expenses: $300
Utilities: $120
Phone, cable, internet: $250
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499383
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: AA Listing Duration: 14 days
Estimated loss*: 1.55%  
Term: 60 months  
 
Lender yield: 8.60% Borrower rate/APR: 9.60% / 9.82% Monthly payment: $336.81
 
Lender servicing fee: 1.00% Effective Yield*: 8.59%  
Estimated return*: 7.04%  
* 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: Apr-1995 Debt/Income ratio: 15%
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,874Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: pound-metronome 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
Union 36
Purpose of loan:
This loan will be used to help purchase a sailboat.

My financial situation:
I am a good candidate for this loan because I keep my living expenses low and I've been employed in the same industry for 15 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499403
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: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 12.99% Borrower rate/APR: 13.99% / 16.15% Monthly payment: $239.21
 
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: Jul-2008 Debt/Income ratio: 7%
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 4 Occupation: Tradesman - Plumber
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $413Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: green-efficient-benjamins 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
PerSonal
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499471
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
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: Apr-2002 Debt/Income ratio: 29%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 26 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,072Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: trustworthy-value3 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
mohversace
Purpose of loan:
This loan will be used to... c card

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


Monthly net income: $5300
Monthly expenses: $1450
Housing: $700
Insurance: $75
Car expenses: $0
Utilities: $45
Phone, cable, internet: $120
Food, entertainment: $150
Clothing, household expenses: $80
Credit cards and other loans: $250
Other expenses: $0
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 12.99% Borrower rate/APR: 13.99% / 16.15% Monthly payment: $170.86
 
Lender servicing fee: 1.00% Effective Yield*: 12.77%  
Estimated return*: 6.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1991 Debt/Income ratio: 6%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,777Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: dede220 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement (Outdoor)
Purpose of loan:
This loan will be used to update yard of home

My financial situation:
I have been a registered nurse since December, 2008. I have not had a break in employement since I began working. I have been in my home for almost a year and have been taking my time decorating. I would love to have my backyard ready for the summer so my family and I can spend more time in the yard. Please give me a hand...

Monthly net income: $ 3200
Monthly expenses: $
Housing: $ 1270
Insurance: $100
Car expenses: $
Utilities: $80
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $150
Other expenses: $ 80
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499529
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
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $161.14
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1992 Debt/Income ratio: 26%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,137Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: thrilling-bonus558 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
medical bills
Purpose of loan: medical bills
This loan will be used to...
pay medical bills
My financial situation: i can pay my bills , but my sons medical bills are piling up
I am a good candidate for this loan because...


Monthly net income: $4500
Monthly expenses: $
Housing: $1300
Insurance: $89
Car expenses: $650
Utilities: $200
Phone, cable, internet: $250
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499565
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: $22,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $674.78
 
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: Jul-2003 Debt/Income ratio: 11%
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 5Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 20 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,940Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: platinum-revolutionary6 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
Home Improvements!
Purpose of loan: This loan will be used for home improvements we have been looking to do for quite some time.
My financial situation:
Along with making a very good steady income as a Pharmacist, I am very diligent about paying my bills and thoroughly plan before I take out a loan. If I were on your side, I would be excited to find someone like myself. I am about as sure as they come!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499338
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
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: Jan-1984 Debt/Income ratio: 35%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 16Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 32 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $15,969Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: fascinating-coin 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
mort
Purpose of loan: Personal
This loan will be used to...debt consolidation

My financial situation:
I am a good candidate for this loan because...capable of making timely monthly payments


Monthly net income: $3100.00
Monthly expenses: $600
Housing: $1705
Insurance: $
Car expenses: $160
Utilities:75
Phone, cable, internet: $90
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $15000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499346
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
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $302.14
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1988 Debt/Income ratio: 15%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,341Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: dollar-builder5 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
Home Improvement (Bathroom Remodel)
Purpose of loan:
This loan will be used to...Home Improvement (Bathroom remodels)

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


Monthly net income: $109,000
Monthly expenses: $3,310
Housing: $850
Insurance: $135
Car expenses: $675
Utilities: $150
Phone, cable, internet: $350
Food, entertainment: $400
Clothing, household expenses: $250
Credit cards and other loans: $350
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499380
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 18.41% Monthly payment: $372.71
 
Lender servicing fee: 1.00% Effective Yield*: 15.71%  
Estimated return*: 9.76%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1987 Debt/Income ratio: 15%
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:13y 8m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,976Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: bold-reward-crescent Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...consolidate bills.
My financial situation:
I am a good candidate for this loan because... I am a home owner with a positive cash flow and a steady job where I have been for 13 years


Monthly net income: $6500
Monthly expenses: $4800
Housing: $1800
Insurance: $200
Car expenses: $200
Utilities: $400
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $900
Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499392
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $80.57
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2007 Debt/Income ratio: 3%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:15y 11m
Amount delinquent: $0 Total credit lines: 5 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,224Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: kind-adventurous-capital Borrower's state: Oklahoma 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
mrmoneybags
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2100
Monthly expenses: $
Housing: $550
Insurance: $150
Car expenses: $
Utilities: $175
Phone, cable, internet: $160
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $40
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499444
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
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: Oct-2002 Debt/Income ratio: 40%
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,024Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: funds-achievement0 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to...consolidation

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


Monthly net income: $1637
Monthly expenses: $605.96
Housing: $300
Insurance: $0
Car expenses: $96.96
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $209
Other expenses: $0
this loan i take to paid all my credit card bills of $6,000 dollars credit debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499474
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
Estimated loss*: 18.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 10.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1996 Debt/Income ratio: Not calculated
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 19Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 
Delinquencies in last 7y: 28 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: resolute-silver8 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
Start-up business seed-money.
Purpose of loan: Business
This loan will be used to... start a small business to buy and sell used cars. We have the opportunity to buy repossessed cars before they go to the auction. These cars can be resold with a very healthy profit margin (often around 50%), while still giving the buyer an excellent deal by pricing them well under Blue Book value.

My financial situation: unemployed, living in a rural area without employment opportunities.
I am a good candidate for this loan because...this seed money will multiply itself fast.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499480
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: $7,501.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $238.05
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%  
Estimated return*: 16.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1999 Debt/Income ratio: Not calculated
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $283Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: a-contract-hammock Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to purchase one acre next to De gray Lake for $6,500, which is appraised for $11,000+. The remaining funds will be used to start my business.
My financial situation:
I am a good candidate for this loan because I have little debt with good income. I hold a large sum of revolving clients which are sustaining my family. I have everything but the land needed for my business although I plan on retaining my current job until the business is sustaining. I am highly motivated and very energetic. I have three A.A.S. Degrees, Inducted into the Phi Theta Kappa honor society, on National Deans list, five Presidents awards,140+ credits @ 3.5+GPA

Monthly net income: $3200-5,000
Monthly expenses: $1800-2,500
Housing: $520
Insurance: $150
Car expenses: $450
Utilities: $200
Phone, cable, internet: $50
Food, entertainment: $300
Clothing, household expenses: $150-250
Credit cards and other loans: $50
Other expenses: $150-250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499526
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 12 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 33.08% Monthly payment: $189.11
 
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): 5 First credit line: Jan-1986 Debt/Income ratio: 48%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 13 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $142Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: money-prescription3 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
Personal Loan
Purpose of loan:
This loan will be used to... Pay off school

My financial situation: need more than financial aid is offering
I am a good candidate for this loan because... i have pretty good credit


Monthly net income: $ 700
Monthly expenses: $ 150
Housing: $0
Insurance: $170
Car expenses: $100
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $50
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499544
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: $14,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.25%  
Term: 36 months  
 
Lender yield: 7.29% Borrower rate/APR: 8.29% / 10.38% Monthly payment: $440.58
 
Lender servicing fee: 1.00% Effective Yield*: 7.28%  
Estimated return*: 4.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Nov-1997 Debt/Income ratio: 10%
Credit score: 760-779 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $241Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: gluon Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 29 ( 97% ) 760-779 (Latest)
Principal borrowed: $3,000.00< 31 days late: 1 ( 3% )  
580-599 (Feb-2008)
 
Principal balance: $0.52 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Buying a new car!
Purpose of loan:
I'm interested in purchasing a new car. My plan is to pay a portion of the vehicle cost with cash and finance the rest with a loan from Prosper.

My financial situation:
I consider myself an ideal Prosper borrower. I have a good payment history (including a previous loan from Prosper that I was able to pay off a few months early). I make a very good living in a fast growing industry and I'm very careful with my money. I carry very little credit card debt, preferring to buy everything with "cash" using my debit rewards card. I also have a significant amount of money (more than my annual salary) invested in easily sellable securities that could be used in the case of an emergency.

Thanks for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499568
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
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $161.14
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2001 Debt/Income ratio: 22%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 11 / 6Length of status:7y 4m
Amount delinquent: $1,354 Total credit lines: 16 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,092Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: the-bonus-kingdom 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
debt consolidation
Purpose of loan:
This loan will be used to...consolidate debt

My financial situation:
I am a good candidate for this loan because...i have paid off a similiar type loan.


Monthly net income: $2400.00
Monthly expenses: $1800.00
Housing: $
Insurance: $650.00
Car expenses: $400.00
Utilities: $75.00
Phone, cable, internet: $65.00
Food, entertainment: $120.00
Clothing, household expenses: $100.00
Credit cards and other loans: $250.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499580
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: $2,700.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $103.10
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-1999 Debt/Income ratio: 16%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,033Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: D-N-A_Investments 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: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2010)
560-579 (Jul-2008)
 
Principal balance: $1,418.90 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Check my other loan..I pay!!
Purpose of loan:
This loan will be used to...pay off all my debt and combine into one payment. I have worked hard to get my credit back on track and I'm happy to say, as you can see, I have no delinquent accounts. My debt to income should hopefully show you that I'm able to pay this loan back and this will further improve my credit score.



My financial situation:
I am a good candidate for this loan because...I have more than enough income to pay $100 a month.


Monthly net income: $ 2800

Monthly expenses: $
Housing: $ 750
Insurance: $ 100
Car expenses: $ 300
Utilities: $ 50
Phone, cable, internet: $ 100
Food, entertainment: $ 75
Clothing, household expenses $ 100
Credit cards and other loans: $ 210
Other expenses: $ 150
Information in the Description is not verified.