Listing Report:Supplement No. 39 dated Mar 26, 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 497671
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: May-1998 Debt/Income ratio: 14%
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:11y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,309Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: reinforced-return011 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
My personal loan
Purpose of loan:
This loan will be used to...pay off high interest debt

My financial situation: improving
I am a good candidate for this loan because...I have been in the military for 11 years and receive a paycheck every two weeks


Monthly net income: $6650
Monthly expenses: $1000
Housing: $825
Insurance: $350
Car expenses: $500
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497831
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: 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: $85.43
 
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): 9 First credit line: Dec-2002 Debt/Income ratio: 9%
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 19 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,852Stated income:$75,000-$99,999
Delinquencies in last 7y: 18 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: neptuno 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
Debt Consolidation : Risk Free Loan
I'm an excellent candidate because...
I am an Ivy League graduate from the number one hospitality program in the world and upon graduation, I worked with, arguably, the most influential investment bank of this era.

Delinquencies Explained
While in college, I purchased two investment properties, taking advantage of lax lending practices. After the market crisis, the property value was significantly less than the balance of the mortgages. The lenders were unwilling to renegotiate the terms so I defaulted on the loans.

With that said, I have NEVER missed a payment for any other obligation, including family loans!

Monthly net income: $ 4400 (after taxes / retirement / benefits / etc)
Monthly expenses: $ 3900
Housing: $ 650
Public transportation: $ 50
Phone, cable, internet: $ 100
Food, entertainment: $ 500
Clothing, household expenses: $ 500
Investment account: $ 550
Credit cards and other loans: $ 800
Other expenses: $ 750
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499407
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: $6,500.00 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: $614.61
 
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: Nov-1992 Debt/Income ratio: 48%
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 10Length of status:11y 7m
Amount delinquent: $123 Total credit lines: 23 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,926Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: Yes  
Screen name: sentimental-silver3 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
60 day loan
Purpose of loan:
This loan will be used to...
repay a loan from my 401K, which will then allow me to borrow enough to repay this loan and cover medical bills due to an accident my son suffered in December almost losing 4 fingers on one hand.
My financial situation: stable
I am a good candidate for this loan because... only need the loan for 60 days.


Monthly net income: $ 2300.00
Monthly expenses: $ 2100
Housing:440
Insurance: $90
Car expenses: $200
Utilities: $250
Phone, cable, internet: $110
Food, entertainment: 200
Clothing, household expenses: $100
Credit cards and other loans: 800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499449
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: 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: Mar-1999 Debt/Income ratio: 31%
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,078Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: peso-pioneer9 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
emergency travel, medical expense
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499555
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $282.00
 
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): 7 First credit line: Jul-1989 Debt/Income ratio: 22%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:25y 9m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,195Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: inspired-ore4 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
debt consolidation
Purpose of loan:
This loan will be used to...

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


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 499607
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-1992 Debt/Income ratio: Not calculated
Credit score: 640-659 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 15 / 12Length of status:1y 2m
Amount delinquent: $1,279 Total credit lines: 27 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,701Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: influential-camaraderi1 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
help with getting through bad point
Purpose of loan:
I was stupid and closed some of my credit cards and now wish I hadn't. I'm not being offered good interest rate with this thing. So this will have to be paid off first and within 6 months. Was just going sell my stock but I have faith they are going to rise back up. A collection just showed up pulled my credit report after getting high interest rate on here not even mine just filed dispute with experian.



Monthly net income: $ 4200
Monthly expenses: $
Housing: $1000
Insurance: $300
Car expenses: $300
Utilities: $400
Phone, cable, internet: $150
Food, entertainment: $
Clothing, household expenses: $200
Credit cards and other loans: $500
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499625
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: 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: Mar-1981 Debt/Income ratio: Not calculated
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $454Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: soulful-worth8 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
New Business Nitro, Inc.
Purpose of loan:
This loan will be used as rent security,insurance & taxes to open a
new business (lounge) in the hamptons
My financial situation: I have income from a rental property & will be returning to work as a foreman on a wholesale nursery within a month & I am extremely motivated and confident.
I am a good candidate for this loan because
Monthly net income: $7500.00
Monthly expenses: $1800.00
Housing: $0.00
Insurance: $300.00
Car expenses: $150.00
Utilities: $160.00
Phone, cable, internet: $120.00
Food, entertainment: $500.00
Clothing, household expenses: $
Credit cards and other loans: $800.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499643
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.80%  
Term: 60 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $317.36
 
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: Jul-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Mar-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:25y 5m
Amount delinquent: $0 Total credit lines: 10 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $643Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: preeminant-nickel8 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
in home preschool improvements
Purpose of loan: academically oriented preschool/chidcare. 20+yrs. in business and must update and improve outdoor play area,kitchen and add new classroom space due to demand.
This loan will be used to...

My financial situation: my business is very consistent and my work ethic very strong.
I am a good candidate for this loan because...


Monthly net income: $aprox. 5,000.
Monthly expenses: $
Housing: $1,780.
Insurance: $380.
Car expenses: $200.
Utilities: $350.
Phone, cable, internet: $100.
Food, entertainment: $400.
Clothing, household expenses: $
Credit cards and other loans: $2,000.
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499649
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
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: Oct-1992 Debt/Income ratio: 47%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:13y 8m
Amount delinquent: $0 Total credit lines: 41 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,486Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: admirable-rate7 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
Nashville
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499661
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
Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 7.90% Borrower rate/APR: 8.90% / 10.99% Monthly payment: $238.15
 
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: Nov-1988 Debt/Income ratio: 13%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 4 / 4Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,800Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: scholarly-transaction9 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Bridge
Purpose of loan:
This loan will be used to...Home Improvement

My financial situation:
I am a good candidate for this loan because...I need the money at this time for home improvements, and I always keep my bills paid.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499422
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: C Listing Duration: 14 days
Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $265.71
 
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: Aug-1997 Debt/Income ratio: 16%
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 34 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,274Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: orange-transaction-refresher 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
Consolidation and Home Improvement
Purpose of loan:
This loan will be used to consolidate my medical bills that were left over from when I had my son, 2 years ago and also go towards home improvement projects - new windows and a wooden fence in the back yard. I have been at my job almost 5 years, I am current with all my bills and am rebuilding my credit.

My financial situation:
I am a good candidate for this loan because I have been at my job almost 5 years, I am current with all my bills and am rebuilding my credit.


Monthly net income: $2340
Monthly expenses: $1826
Housing: $219
Insurance: $122
Car expenses: $200 - Fuel - both cars are paid off
Utilities: $173
Phone, cable, internet: $162
Food, entertainment: $400
Clothing, household expenses: $250
Credit cards and other loans: $100
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499522
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
Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.42% Monthly payment: $190.93
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 10.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1996 Debt/Income ratio: 18%
Credit score: 680-699 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 3Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 26 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $919Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: powa98367 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 29 ( 83% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 6 ( 17% )  
620-639 (Oct-2009)
640-659 (Apr-2008)
 
Principal balance: $275.73 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Buy economical transportation
Purpose of loan:
This loan will be used to...Buy economical car for transportation to school. To purchase tires, shocks and repairs to primary family car.

My financial situation:
I am a good candidate for this loan because...I have good history with previous Prosper loan. Steady full-time employment. Currently working towards being debt-free by the end of 2011.


Monthly net income: $2950.00
Monthly expenses: $2174.00
Housing: $1199.00
Insurance: $100.00
Car expenses: $100.00
Utilities: $125.00
Phone, cable, internet: $100.00
Food, entertainment: $250.00
Clothing, household expenses: $100.00
Credit cards and other loans: $200.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499528
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: $12,500.00 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: $427.16
 
Lender servicing fee: 1.00% Effective Yield*: 12.77%  
Estimated return*: 6.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1987 Debt/Income ratio: 7%
Credit score: 780-799 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: transaction-rocker1 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
Funding for Florist and Gift Shop
The purpose of this loan will be for start-up capital for a new family business.. We are opening a new retail floral/gift shop and garden center in Western Kansas We are projecting 125000 for sales this year and for 2012 sales of 185000. My brother will be the day to day manager and lead designer, along with 2 other employees, both with almost 35 years total design experience.
I am an activer partner in this venture - I have a very strong credit score and my debt to income ratio is low. Always have paid my bills on time, and I am acting as the accountant for our company. I am still going to maintain full time employment with my current company, who I have been with almost 12 years.

Monthly net income: 5366
Monthly expenses: $3197
Housing: $655
Insurance: $172
Car expenses: $430
Utilities: $220
Phone, cable, internet: $170
Food, entertainment: $500
Clothing, household expenses: $400
Credit cards and other loans: $650
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499552
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*: 4.95%  
Term: 36 months  
 
Lender yield: 9.99% Borrower rate/APR: 10.99% / 13.11% Monthly payment: $229.14
 
Lender servicing fee: 1.00% Effective Yield*: 9.83%  
Estimated return*: 4.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Apr-1989 Debt/Income ratio: 10%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 46 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,139Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: elise80202 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 8 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2009)
660-679 (Apr-2009)
620-639 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Pay off high interest loan
Purpose of loan:
This loan will be used to pay off a high interest loan.

My financial situation:
I am a good candidate for this loan because I have stable job history, I pay my bills on time and I've had a prior loan with Prosper that was paid off and always paid on time.


Monthly net income: $4,800
Monthly expenses: $2,365
Housing: $860
Insurance: $55
Car expenses: $150
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $500 ($300 of this monthly amount represents the high interest loan I wish to refinance with a lower rate)
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499556
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
Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.49% Borrower rate/APR: 19.49% / 22.87% Monthly payment: $258.33
 
Lender servicing fee: 1.00% Effective Yield*: 18.06%  
Estimated return*: 9.36%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-2004 Debt/Income ratio: 12%
Credit score: 700-719 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 9 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,002Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: repayment-missile4 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
Auto loan
Purpose of loan: Purchase a car
This loan will be used to purchase a car, pay the car insurance for a year, and pay 6 months of my rent.

My financial situation:
I am a good candidate for this loan because I have stable employment with a credit of 705. You will see with my monthly expenses versus income that I will easlily be able to make my monthly payments. I am currently in nursing school and is expected to graduate by December 2011, which will enable me to payoff my loan in no time upon employment.

Monthly net income: $2916
Monthly expenses: $2000
Housing: $500
Insurance: $100 future car insurance payment
Car expenses: $250
Utilities: $0
Phone, cable, internet: $250
Food, entertainment: $300
Clothing, household expenses: $350
Credit cards and other loans: $150
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499598
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: May-1991 Debt/Income ratio: 11%
Credit score: 800-819 (Mar-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:13y 9m
Amount delinquent: $0 Total credit lines: 33 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $183,587Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: bid-electron3 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
Remodelling - Kitchen
Purpose of loan: Remodell my kitchen

My financial situation: I am a partner in a law firm (been with the firm since 1997) and earn about $350,000/year (although I only take a draw of $192,000 in cash on an annual basis and leave the rest in my partner account per the partnership agreement).

I own one rental property (a 3-family home -- bought at the height of the housing bubble--stupid me) that is underwater. We have renters so I am current on the mortgage, but it is significantly underwater so I can't sell it and the mortgage of that property counts against me when I tried to refinance my own home to tap equity. That is why I am turning to this site for funding.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499616
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
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): 5 First credit line: Oct-1997 Debt/Income ratio: 65%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 27 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,566Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: dynamic-funds817 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 my debts into a single loan.

My financial situation:
I am a good candidate for this loan because I have a steady job and is eager to pay off my debts


Monthly net income: $2,376
Monthly expenses: $700.00
Housing: $0
Insurance: $0
Car expenses: $100.00
Utilities: $0
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $100.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499622
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: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $125.70
 
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): 5 First credit line: Mar-1991 Debt/Income ratio: 24%
Credit score: 660-679 (Mar-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 15Length of status:17y 9m
Amount delinquent: $0 Total credit lines: 50 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,845Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: GoodRisk 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 36 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (Dec-2009)
620-639 (Aug-2009)
640-659 (Jun-2008)
600-619 (Jan-2008)
 
Principal balance: $1,285.48 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Almost Done with Revolving Debt!!!
Purpose of loan:
This loan will be used to...

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


Monthly net income: $6800
Monthly expenses: $600
Housing: $1880
Insurance: $125
Car expenses: $400
Utilities: $250
Phone, cable, internet: $125
Food, entertainment: $450
Clothing, household expenses: $200
Credit cards and other loans: $1400
Other expenses: $100

Never a missed or late payment EVER!!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 499652
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: Jun-1978 Debt/Income ratio: 13%
Credit score: 720-739 (Mar-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,608Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: thrilling-loyalty6 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Connecticut consumer
Purpose of loan:
This loan will be used to...Cover repairs

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


Monthly net income: $11,200
Monthly expenses:
Housing: $4026
Insurance: $172
Car expenses: $500
Utilities: $500
Phone, cable, internet: $180
Food, entertainment: $800
Clothing, household expenses: $200
Credit cards and other loans: $2013
Other expenses: $
Information in the Description is not verified.